{"id":5848,"date":"2021-10-19T14:07:35","date_gmt":"2021-10-19T22:07:35","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5848"},"modified":"2021-10-19T14:07:38","modified_gmt":"2021-10-19T22:07:38","slug":"%e5%81%a5%e5%ba%b7%e4%bf%9d%e9%99%ba%e3%83%97%e3%83%a9%e3%83%b3%e3%82%92%e3%81%a9%e3%81%86%e6%af%94%e8%bc%83%e3%81%99%e3%82%8b%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e5%81%a5%e5%ba%b7%e4%bf%9d%e9%99%ba%e3%83%97%e3%83%a9%e3%83%b3%e3%82%92%e3%81%a9%e3%81%86%e6%af%94%e8%bc%83%e3%81%99%e3%82%8b%ef%bc%9f\/","title":{"rendered":"\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3092\u3069\u3046\u6bd4\u8f03\u3059\u308b\uff1f"},"content":{"rendered":"\n

\u8077\u5834\u306e\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3067\u3082\u3001\u3042\u308b\u3044\u306f\u5dde\u306eHealthcare Marketplace\u306a\u3069\u3067\u3082\u3001\u8907\u6570\u306e\u30d7\u30e9\u30f3\u304b\u3089\u81ea\u5206\u306b\u3074\u3063\u305f\u308a\u306e\u3082\u306e\u3092\u9078\u3070\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u308f\u3051\u3067\u3059\u304c\u3001\u307f\u306a\u3055\u3093\u3069\u3046\u3084\u3063\u3066\u6bd4\u8f03\u691c\u8a0e\u3057\u307e\u3059\u304b\uff1f\u30ce\u30a6\u30cf\u30a6\u8a18\u4e8b\u306a\u3069\u3092\u8aad\u3080\u3068\u3001\u300c\u307e\u305a\u306f\u81ea\u5206\u306e\u30c9\u30af\u30bf\u30fc\u304c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u5165\u3063\u3066\u3044\u308b\u304b\u78ba\u8a8d\u3059\u308b\u3053\u3068\u300d\u3068\u304b\u3001HMO\u3001PPO\u3001POS\u3001EPO\u306e\u8aac\u660e\u304c\u3042\u3063\u3066\u3001\u300c\u3069\u306e\u30bf\u30a4\u30d7\u304c\u3044\u3044\u304b\u3092\u307e\u305a\u9078\u3073\u307e\u3057\u3087\u3046\u300d\u3068\u304b\u66f8\u3044\u3066\u3042\u308b\u3082\u306e\u304c\u591a\u3044\u3067\u3059\u304c\u3001\u3069\u3046\u3067\u3057\u3087\u3046\uff1f\u305d\u308c\u3067\u306f\u306a\u304b\u306a\u304b\u57d2\u304c\u660e\u304b\u306a\u3044\u6c17\u3082\u3057\u305f\u308a\u3057\u307e\u3059\u3002\u307e\u305f\u3001\u30b3\u30b9\u30c8\u6bd4\u8f03\u8868\u3084\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u304c\u3042\u3063\u3066\u5e74\u9593\u8cbb\u7528\u3092\u78ba\u8a8d\u3067\u304d\u305f\u308a\u3059\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u308c\u3092\u3069\u3046\u8aad\u3080\u304b\u3002\u60c5\u5831\u306f\u3044\u308d\u3044\u308d\u63d0\u793a\u3055\u308c\u3066\u3044\u308b\u3051\u3069\u3001\u3044\u3063\u305f\u3044\u4f55\u3092\u3069\u3046\u6bd4\u8f03\u3059\u308c\u3070\u3044\u3044\u306e\u304b\u8ff7\u3063\u3066\u3057\u307e\u3046\u3068\u3044\u3046\u3053\u3068\u3001\u3042\u308a\u307e\u305b\u3093\u304b\uff1f<\/p>\n\n\n\n

\u305f\u3068\u3048\u3070\u3053\u3093\u306a\u30d7\u30e9\u30f3\u306e\u30c1\u30e7\u30a4\u30b9\u304c\u3042\u3063\u305f\u5834\u5408\u3001\u4f55\u3092\u3069\u3046\u6bd4\u3079\u308c\u3070\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u306d\u3002\u3069\u3093\u306a\u75c5\u6c17\u306b\u306a\u3063\u3066\u3001\u3069\u3093\u306a\u6cbb\u7642\u304c\u5fc5\u8981\u3067\u3001\u305d\u308c\u304c\u3069\u306e\u304f\u3089\u3044\u3064\u3065\u304f\u304b\u8ab0\u306b\u3082\u308f\u304b\u308a\u307e\u305b\u3093\u304b\u3089\u3001\u304d\u3061\u3093\u3068\u8a08\u7b97\u3057\u3066\u30d9\u30b9\u30c8\u306e\u3082\u306e\u3092\u9078\u3076\u3068\u3044\u3046\u306e\u306f\u307b\u307c\u4e0d\u53ef\u80fd\u3067\u3059\u3002\u4eca\u56de\u306f\u3001\u305d\u3093\u306a\u3075\u3046\u306b\u8ff7\u3063\u305f\u6642\u306e\u30dd\u30a4\u30f3\u30c8\u307f\u305f\u3044\u306a\u3082\u306e\u3092\u8003\u3048\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n
<\/div>\n\n\n\n

Deductible\u3092\u898b\u308b<\/p>\n\n\n\n

\u307e\u305a\u306fDeductible\u304c\u3042\u308b\u304b\u306a\u3044\u304b\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002Deductible\u306e\u8a2d\u5b9a\u306e\u306a\u3044\u3082\u306e\u3001\u3064\u307e\u308aDeductible\u304c\u30bc\u30ed\u306e\u3082\u306e\u306f\u3001\u5e74\u304c\u660e\u3051\u3066\u3059\u3050\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u3066\u3082\u3001\u305d\u306e\u6700\u521d\u306e\u30b5\u30fc\u30d3\u30b9\u304b\u3089\u3059\u3067\u306b\u4fdd\u967a\u306e\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308b\u3082\u306e\u3067\u3059\u3002\u4e00\u65b9\u3067\u3001Deductible\u306e\u8a2d\u5b9a\u306e\u3042\u308b\u3082\u306e\u306f\u3001\u307e\u305a\u306f\u305d\u306e\u984d\u3092\u81ea\u5206\u306e\u30dd\u30b1\u30c3\u30c8\u304b\u3089\u652f\u6255\u3063\u305f\u3068\u3053\u308d\u3067\u306f\u3058\u3081\u3066\u3001\u4fdd\u967a\u306e\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u306f\u3001HMO\uff08Health Maintenance Organization\uff09\u306e\u3053\u3068\u304c\u591a\u3044\u306e\u3067\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u3068\u3069\u307e\u308b\u3053\u3068\u304c\u5fc5\u8981\u3060\u3063\u305f\u308a\u3001\u30b9\u30da\u30b7\u30e3\u30ea\u30b9\u30c8\u306b\u304b\u304b\u308a\u305f\u3044\u5834\u5408\u306fPCP\u304b\u3089\u306e\u30ea\u30d5\u30a7\u30e9\u30eb\u304c\u5fc5\u8981\u3060\u3063\u305f\u308a\u3068\u3057\u3070\u308a\u304c\u3042\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u88dc\u511f\u9762\u3067\u306f\u3068\u306b\u304b\u304f\u4f4e\u30ea\u30b9\u30af\u3067\u4fdd\u5b88\u7684\u306a\u30d7\u30e9\u30f3\u3067\u3059\u3002\u591a\u5c11\u6708\u3005\u306e\u4fdd\u967a\u6599\u304c\u9ad8\u3081\u3067\u3082\u3001\u5024\u6bb5\u3092\u6c17\u306b\u3057\u306a\u304c\u3089\u75c5\u9662\u306b\u884c\u304d\u305f\u304f\u306a\u3044\u3072\u3068\u306b\u3068\u3063\u3066\u306f\u5fc3\u5f37\u3044\u9078\u629e\u3067\u3059\u3002<\/p>\n\n\n\n

\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u306e\u3088\u3044\u3068\u3053\u308d\u306f\u3001\u300c\u3061\u3087\u3063\u3068\u304a\u304b\u3057\u3044\u306a\u300d\u3068\u601d\u3063\u305f\u3089\u6c17\u8efd\u306b\u304a\u533b\u8005\u3055\u3093\u306b\u304b\u304b\u308c\u308b\u3053\u3068\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u3061\u3087\u3063\u3068\u3057\u305f\u901a\u9662\u3067$150\u3068\u304b$200\u3068\u304b\u304b\u304b\u308b\u3068\u601d\u3046\u3068\u5c11\u3057\u8003\u3048\u3066\u3057\u307e\u3046\u3068\u3044\u3046\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308b\u3093\u3058\u3083\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002CT\u3060\u306eMRI\u3060\u306e\u3068\u306a\u308c\u3070\u3055\u3089\u306b\u304a\u91d1\u304c\u304b\u304b\u308b\u3068\u601d\u3046\u3068\u3001\u300c\u3061\u3087\u3063\u3068\u304a\u304b\u3057\u3044\u306a\u300d\u304f\u3089\u3044\u3067\u306f\u6c17\u8efd\u306b\u30c6\u30b9\u30c8\u3082\u53d7\u3051\u3089\u308c\u306a\u3044\u306a\u3093\u3066\u3053\u3068\u306b\u3082\u306a\u308a\u307e\u3059\u3002\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u306a\u3089\u3001Co-pay\u3055\u3048\u8ca0\u62c5\u3059\u308c\u3070\u3042\u3068\u306f\u5168\u90e8\u30ab\u30d0\u30fc\u3055\u308c\u308b\u5b89\u5fc3\u304c\u3042\u308a\u3001\u5065\u5eb7\u7dad\u6301\u306b\u3088\u308a\u7a4d\u6975\u7684\u306b\u306a\u308c\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

Deductible\u304c\u3042\u308b\u30d7\u30e9\u30f3\u306a\u3089\u3070\u3001\u305d\u306eDeductible\u307e\u3067\u306f\u6255\u3046\u5fc3\u3065\u3082\u308a\u3068\u304a\u91d1\u306e\u6e96\u5099\u304c\u3042\u3063\u305f\u307b\u3046\u304c\u3044\u3044\u3067\u3057\u3087\u3046\u3002\u300c\u306a\u308b\u3079\u304f\u533b\u7642\u8cbb\u3092\u304b\u3051\u306a\u3044\u3088\u3046\u306b\u300d\u3001\u300c\u306a\u308b\u3079\u304f\u75c5\u9662\u306b\u884c\u304b\u306a\u3044\u3088\u3046\u306b\u300d\u3067\u306f\u306a\u304f\u3001\u3042\u3089\u304b\u3058\u3081Deductible\u307e\u3067\u306f\u81ea\u8179\u3092\u5207\u308b\u3064\u3082\u308a\u3067\u304a\u308a\u3001\u300c\u304a\u304b\u3057\u3044\u306a\u300d\u3068\u601d\u3063\u305f\u3089\u3059\u3050\u75c5\u9662\u306b\u884c\u304f\u3051\u3069\u3001\u3082\u3057\u3082\u3042\u307e\u308a\u884c\u304f\u5fc5\u8981\u304c\u306a\u3051\u308c\u3070\u30e9\u30c3\u30ad\u30fc\u304f\u3089\u3044\u306e\u69cb\u3048\u306e\u307b\u3046\u304c\u3088\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u3068\u304f\u306b\u5c0f\u3055\u306a\u304a\u5b50\u3055\u3093\u304c\u3044\u308b\u5834\u5408\u3084\u5065\u5eb7\u554f\u984c\u304c\u51fa\u59cb\u3081\u308b\u5e74\u9f62\u4ee5\u4e0a\u306e\u65b9\u306e\u5834\u5408\u306f\u3001\u304a\u533b\u8005\u3055\u3093\u3044\u884c\u304f\u306e\u3092\u8e8a\u8e87\u3059\u308b\u306e\u306f\u907f\u3051\u305f\u3044\u3068\u3053\u308d\u3067\u3059\u3002<\/p>\n\n\n\n

A\u3068B\u306f\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u3067\u3059\u3002Office Visit\uff08\u5916\u6765\uff09\u306f$20\u306eCo-pay\u3092\u81ea\u5df1\u8ca0\u62c5\u3059\u308c\u3070\u3001\u3042\u3068\u306f\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3057\u3001Impatient\uff08\u5165\u9662\uff09\u306f$250\u3092\u81ea\u5df1\u8ca0\u62c5\u3059\u308c\u3070\u3001\u3042\u3068\u306f\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3057\u307e\u3059\u3002Surgeon\uff08\u57f7\u5200\u533b\uff09\u306f\u81ea\u5df1\u8ca0\u62c5\u304c\u306a\u304f\u3001\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3057\u307e\u3059\u3002A\u3068B\u3067Out-of-pocket Maximum\uff081\u5e74\u9593\u3067\u81ea\u5df1\u8ca0\u62c5\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u6700\u9ad8\u9650\u5ea6\uff09\u304c\u304b\u306a\u308a\u3061\u304c\u3044\u307e\u3059\u304c\u3001\u30ab\u30d0\u30fc\u5185\u5bb9\u7684\u306b\u306f\u3069\u3061\u3089\u3082\u975e\u5e38\u306b\u624b\u539a\u3044\u306e\u3067\u3001\u4f55\u5ea6\u3082\u5165\u9662\u3057\u305f\u308a\u3001\u4f55\u5ea6\u3082\u901a\u9662\u3057\u305f\u308a\u3068\u3044\u3046\u3053\u3068\u304c\u306a\u3051\u308c\u3070\u5dee\u304c\u51fa\u306a\u3044\uff08A\u306eOut-of-pocket Maximum\u3088\u308a\u81ea\u5df1\u8ca0\u62c5\u984d\u304c\u591a\u304f\u306a\u308b\u78ba\u7387\u304c\u304b\u306a\u308a\u4f4e\u3044\uff09\u304b\u3068\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002A\u3068B\u3067\u306f\u304a\u305d\u3089\u304f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u7bc4\u56f2\u3084\u63d0\u643a\u75c5\u9662\u30b0\u30eb\u30fc\u30d7\u304c\u9055\u3046\u3068\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002\u597d\u307f\u306e\u304a\u533b\u8005\u3055\u3093\u3084\u75c5\u9662\u7cfb\u5217\u304c\u3042\u308b\u5834\u5408\u306b\u306f\u3001\u5185\u5bb9\u3092\u898b\u3066\u6c7a\u3081\u308b\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n

\u6b8b\u5ff5\u306a\u304c\u3089\u6700\u8fd1\u3067\u306f\u96c7\u7528\u4e3b\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3067\u3001\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u306a\u3044\u30b1\u30fc\u30b9\u304c\u591a\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u5dde\u306eMarketplace\u306a\u3069\u3067\u3082\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u306f\u5c11\u306a\u304f\u306a\u3063\u305f\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

<\/div>\n\n\n\n

Out-of-pocket Maximum\u3092\u898b\u308b<\/p>\n\n\n\n

A\u3068B\u4ee5\u5916\u306e\u30d7\u30e9\u30f3\u306eOut-of-pocket Maximum\u3092\u6bd4\u3079\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u307e\u305a\u306f\u3001\u6700\u60aa\u30b1\u30fc\u30b9\u304c\u8d77\u3053\u3063\u305f\u3068\u304d\u3001\u4e00\u5e74\u3067\u8ca0\u62c5\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u6700\u5927\u984d\u304c\u3053\u308c\u3060\u3068\u3044\u3046\u3053\u3068\u3092\u78ba\u8a8d\u3057\u307e\u3059\u3002\u3053\u3053\u307e\u3067\u51fa\u8cbb\u304c\u3042\u308b\u53ef\u80fd\u6027\u306f\u5c11\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u306a\u3044\u3068\u306f\u8a00\u3048\u307e\u305b\u3093\u306e\u3067\u3053\u306e\u984d\u306f\u3059\u3050\u306b\u6255\u3048\u308b\u6e96\u5099\u304c\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u305d\u3082\u305d\u3082\u4fdd\u967a\u306f\u3001\u4e0d\u616e\u306e\u51fa\u6765\u4e8b\u304c\u8d77\u3053\u3063\u3066\u5bb6\u8a08\u304c\u7acb\u3061\u884c\u304b\u306a\u304f\u306a\u308b\u307b\u3069\u306e\u640d\u5bb3\u304c\u3042\u3063\u305f\u5834\u5408\u306b\u5bfe\u5fdc\u3059\u308b\u305f\u3081\u306e\u30ea\u30b9\u30af\u30fb\u30de\u30cd\u30fc\u30b8\u30e1\u30f3\u30c8\u3067\u3059\u304b\u3089\u3001\u4fdd\u967a\u3092\u6301\u3063\u3066\u3044\u308b\u306e\u306b\u7acb\u3061\u884c\u304b\u306a\u308b\u3088\u3046\u306a\u3053\u3068\u304c\u3042\u3063\u3066\u306f\u306a\u308a\u307e\u305b\u3093\u3002Out-of-pocket Maximum\u304c\u60f3\u5b9a\u5185\u3067\u3042\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3057\u307e\u3059\u3002<\/p>\n\n\n\n

Family\u3067\u8003\u3048\u307e\u3059\u3002C\u304c\u6700\u3082\u9ad8\u3044Out-of-pocket Maximum\u304c\u8a2d\u5b9a\u3057\u3066\u3042\u308a\u3001$14,200\u3067\u3059\u3002\u3053\u306e\u30d7\u30e9\u30f3\u306f\u3001Deductible\u304c\u4f4e\u3044\u306e\u3067\u5c11\u3057\u81ea\u5df1\u8ca0\u62c5\u3059\u308c\u3070\u4fdd\u967a\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308b\u3068\u3044\u3046\u6c17\u697d\u3055\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u5f8c\u306eCo-insurance\u304c30\uff05\u3068\u9ad8\u304f\u3001\u3061\u3087\u3063\u3068\u5165\u9662\u3001\u624b\u8853\u3068\u306a\u308c\u3070\u8cbb\u7528\u304c\u304b\u3055\u307f\u3001Out-of-pocket Maximum\u307e\u3067\u306e\u8cbb\u7528\u8ca0\u62c5\u304c\u8d77\u3053\u308a\u3084\u3059\u3044\u30d7\u30e9\u30f3\u3067\u3042\u308b\u3068\u3044\u3048\u307e\u3059\u3002\u4fdd\u967a\u6599\u306f\u5b89\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u5371\u967a\u5ea6\u306f\u9ad8\u3044\u30d7\u30e9\u30f3\u3067\u3059\u3002\u5065\u5eb7\u306a\u3089\u3070\u30b3\u30b9\u30c8\u524a\u6e1b\u3082\u53ef\u80fd\u304b\u3082\u3057\u308c\u306a\u3044\u3051\u308c\u3069\u3001\u3044\u3063\u305f\u3093\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u304c\u5fc5\u8981\u306b\u306a\u308b\u3068\u8cbb\u7528\u304c\u304b\u3055\u3080\u30d7\u30e9\u30f3\u3067\u3059\u3002<\/p>\n\n\n\n

D\u3068E\u306fOut-of-pocket Maximum\u306f$6,400\u3068$9,000\u306a\u306e\u3067\u3001\u6700\u60aa\u30b1\u30fc\u30b9\u304c\u8d77\u3053\u3063\u3066\u3082C\u3088\u308a\u306f\u8ca0\u62c5\u304c\u3057\u3084\u3059\u3044\u3067\u3059\u3002D\u306e\u307b\u3046\u304cOut-of-pocket Maximum\u304c\u4f4e\u3044\u3046\u3048\u3001Deductible\u304c\u4f4e\u3044\u306e\u3067\u65e9\u304f\u4fdd\u967a\u306e\u30ab\u30d0\u30fc\u3082\u59cb\u307e\u308a\u307e\u3059\u3002\u3057\u304b\u3057D\u306eCo-insurance\u306f\u3001E\u306e\u305d\u308c\u306e2\u500d\u306e20\uff05\u3067\u3059\u3002Deductible\u304c\u4f4e\u3044\u306e\u3067\u65e9\u304f\u4fdd\u967a\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308b\u3082\u306e\u306e\u3001Co-insurance\u304c20\uff05\u306e\u305f\u3081\u3001\u81ea\u5df1\u8ca0\u62c5\u984d\u306fE\u306e2\u500d\u306b\u306a\u308a\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u3069\u3093\u3069\u3093\u533b\u7642\u8cbb\u304c\u304b\u3055\u3093\u3060\u5834\u5408\u306f\u65e9\u304fOut-of-pocket Maximum\u306b\u9054\u3059\u308b\u306e\u3067\u3001$6,400\u4ee5\u4e0a\u306e\u8ca0\u62c5\u306b\u306f\u306a\u3089\u306a\u3044\u30d7\u30e9\u30f3\u3067\u3059\u3002High Deductible Plan\u306a\u306e\u3067HSA\u304c\u4f7f\u3048\u3001Employer\u304c$1,000\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u307e\u3059\u3002<\/p>\n\n\n\n

\u4e00\u65b9\u3067E\u306f\u3001Deductible\u304c\u9ad8\u3044\u306e\u3067\u306a\u304b\u306a\u304b\u4fdd\u967a\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308a\u307e\u305b\u3093\u304c\u3001\u3044\u3063\u305f\u3093\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308b\u3068\u3001Co-insurance\u304c10\uff05\u306a\u306e\u3067\u81ea\u5df1\u8ca0\u62c5\u306f\u6bd4\u8f03\u7684\u697d\u306a\u30d7\u30e9\u30f3\u3067\u3059\u3002\u3082\u3057\u533b\u7642\u8cbb\u304c\u304b\u3055\u3093\u3067\u3044\u3063\u3066\u3082\u3001\u6700\u60aa$9,000\u307e\u3067\u3057\u304b\u8ca0\u62c5\u3057\u306a\u304f\u3066\u3088\u3044\u30d7\u30e9\u30f3\u3067\u3059\u3002High Deductible Plan\u306a\u306e\u3067HSA\u304c\u4f7f\u3048\u3001Employer\u304c$1,500\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u307e\u3059\u3002\u5065\u5eb7\u306a\u306e\u3067\u307b\u3068\u3093\u3069\u304a\u533b\u8005\u3055\u3093\u306b\u306f\u304b\u304b\u3089\u306a\u3044\u3068\u601d\u3046\u304c\u3001\u3082\u3057\u3082\u75c5\u6c17\u3084\u30b1\u30ac\u306e\u5834\u5408\u306b\u306f\u3001\u306a\u308b\u3079\u304f\u8ca0\u62c5\u3092\u5c11\u306a\u304f\u3057\u305f\u3044\u4eba\u306b\u306f\u3088\u3044\u30d7\u30e9\u30f3\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

<\/div>\n\n\n\n

Co-insurance\u3092\u898b\u308b<\/p>\n\n\n\n

\u4e0a\u3067\u3059\u3067\u306bCo-insurance\u306f\u8a71\u306b\u767b\u5834\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u518d\u78ba\u8a8d\u3067\u3059\u3002Co-insurance\u306f\uff05\u3067\u63d0\u793a\u3055\u308c\u3066\u304a\u308a\u3001\u305d\u308c\u304c\u81ea\u5df1\u8ca0\u62c5\u306b\u306a\u308a\u307e\u3059\u3002\u4e00\u65b9\u3067\u3001\u4e00\u756a\u521d\u3081\u306b\u51fa\u3066\u304d\u305fCo-payment\u306f\u30c9\u30eb\u8868\u793a\u3055\u308c\u3066\u3044\u308b\u3082\u306e\u3067\u3059\u3002\u306a\u3093\u3068\u306a\u304f\u4f3c\u305f\u3053\u3068\u3070\u3067\u3059\u304c\u3001Co-payment\u306f\u6bd4\u8f03\u7684\u6c17\u697d\u306b\u3068\u3089\u3048\u3066\u5927\u4e08\u592b\u3001Co-insurance\u306f\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002\u306a\u305c\u304b\u3068\u3044\u3046\u3068\u3001\u524d\u8005\u306f\u7d76\u5bfe\u984d\u3067$20\u3068\u304b$50\u3068\u304b$250\u3068\u304b\u3068\u6307\u5b9a\u3057\u3066\u3042\u308b\u3082\u306e\u3067\u305d\u306e\u984d\u3055\u3048\u8ca0\u62c5\u3059\u308c\u3070\u3001\u3042\u3068\u306e\u81ea\u5df1\u8ca0\u62c5\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30c8\u30fc\u30bf\u30eb\u8cbb\u7528\u304c$500\u3060\u308d\u3046\u304c\u3001$50,000\u3060\u308d\u3046\u304c\u3042\u3068\u306f\u4fdd\u967a\u4f1a\u793e\u304c\u30ab\u30d0\u30fc\u3059\u308b*<\/sup>\u308f\u3051\u3067\u3059\u3002\u4e00\u65b9\u3001Co-insurance\u306e\u307b\u3046\u306f\uff05\u306a\u306e\u3067\u3001\u30c8\u30fc\u30bf\u30eb\u984d\u304c$500\u304b$50,000\u304b\u5927\u304d\u306a\u9055\u3044\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3068\u3048\u3070Co-insurance\u304c10\uff05\u3067\u3042\u3063\u305f\u5834\u5408\u3001\u81ea\u5df1\u8ca0\u62c5\u306f$50\u304b$5,000\u304b\u306e\u5927\u304d\u306a\u5dee\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u304c\u3055\u3089\u306bCo-insurance\u304c30\uff05\u3060\u3063\u305f\u3089\u3070\u3001\u81ea\u5df1\u8ca0\u62c5\u306f$150\u3068\u304b$15,000\u3068\u3044\u3046\u6570\u5b57\u306b\u306a\u3063\u3066\u3057\u307e\u3044\u307e\u3059\u3002\uff05\u306f\u30af\u30bb\u30e2\u30ce\u3067\u3059\u3002\u3000(*\u305f\u307e\u306b\u3001Co-payment\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001\u305d\u308c\u3092\u8d85\u3048\u305f\u90e8\u5206\u306b\u306fCo-insurance\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u3088\u3046\u306a\u7d44\u307f\u5408\u308f\u305b\u578b\u3082\u3042\u308a\u307e\u3059)<\/p>\n\n\n\n

\u3067\u304d\u308c\u3070Co-insurance\u306f\u4f4e\u304fOut-of-pocket Maximum\u3082\u4f4e\u3044\u306e\u304c\u4e00\u756a\u3067\u3059\u304c\u3001\u2460Co-insurance\u306f\u4f4e\u304fOut-of-pocket Maximum\u304c\u9ad8\u3044\uff08\u30d7\u30e9\u30f3E\uff09\u3000\u306e\u3068\u3001\u2461Co-insurance\u304c\u9ad8\u304fOut-of-pocket Maximum\u304c\u4f4e\u3044\uff08\u30d7\u30e9\u30f3D\uff09\u3068\u3060\u3063\u305f\u3089\u3001\u3069\u3061\u3089\u304c\u3044\u3044\u304b\u3068\u3044\u3046\u3068\u60a9\u3080\u3068\u3053\u308d\u3067\u3059\u3002\u3000\u3068\u306b\u3082\u304b\u304f\u306b\u3082\u3001Co-insurance\u3082Out-of-pocket Maximum\u3082\u9ad8\u3044\u3082\u306e\uff08\u30d7\u30e9\u30f3C\uff09\u306f\u9ad8\u30ea\u30b9\u30af\u306a\u306e\u3067\u3067\u304d\u308c\u3070\u907f\u3051\u308b\u306e\u304c\u3088\u3044\u3067\u3059\u3002<\/p>\n\n\n\n

HSA\u304c\u3064\u3044\u3066\u304d\u3066Employer\u304c\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u306e\u306f\u9b45\u529b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u305d\u3053\u3092\u5148\u306b\u307f\u308b\u306e\u3067\u306a\u304f\u3001\u307e\u305a\u306f\u4fdd\u967a\u30d7\u30e9\u30f3\u81ea\u4f53\u306e\u306e\u30ea\u30b9\u30af\u5bfe\u5fdc\u30ec\u30d9\u30eb\u3092\u304d\u3061\u3093\u3068\u898b\u308b\u3053\u3068\u308d\u304b\u3089\u59cb\u3081\u308b\u306e\u304c\u3088\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u305f\u3068\u3048\u3070\u624b\u8853\u304c\u5fc5\u8981\u306b\u306a\u308a\u5165\u9662\u3001\u624b\u8853\u3067$30,000\u30015\u56de\u306e\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u901a\u9662\uff081\u56de$150\uff09\u306a\u3069\u3067$30,750\u306e\u30c8\u30fc\u30bf\u30eb\u8cbb\u7528\u304c\u304b\u304b\u3063\u305f\u3068\u3057\u307e\u3057\u3087\u3046\u3002\u5404\u30d7\u30e9\u30f3\u3067\u306e\u8cbb\u7528\u306f\u4ee5\u4e0b\u306e\u901a\u308a\u3002\u3053\u308c\u3068\u6708\u3005\u306e\u4fdd\u967a\u6599\u3001HSA\u306e\u6709\u7121\u306a\u3069\u3092\u8003\u3048\u5408\u308f\u305b\u3066\u3001\u81ea\u5206\u306e\u8a31\u5bb9\u3067\u304d\u308b\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u3092\u8003\u3048\u3066\u3044\u304f\u3068\u3044\u3046\u304b\u305f\u3061\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n\n\n\n

\uff21\u3068\uff22\u306a\u3089\u3001$250\uff08\u5165\u9662\uff09\uff0b$0\uff08\u624b\u8853\uff09\uff0b$20\uff58\uff15\uff08\u901a\u9662\uff09\uff1d$350\u306e\u8ca0\u62c5<\/p>\n\n\n\n

\uff23\u306a\u3089\u3001$500(Deductible)\uff0b\uff08$30,000-$500\uff09\uff5830\uff05\uff0b$150x5x30\uff05\uff1d$15,575\uff1d\uff1eOut-of-pocket Maximum$7,600\u306e\u8ca0\u62c5<\/p>\n\n\n\n

D\u306a\u3089\u3001$1,400(Deductible)\uff0b\uff08$30,000-$1,400\uff09\uff5820\uff05\uff0b$150x5x20\uff05\uff1d$7,270\uff1d\uff1eOut-of-pocket Maximum$4,000\u306e\u8ca0\u62c5<\/p>\n\n\n\n

E\u306a\u3089\u3001$2,200(Deductible)\uff0b\uff08$30,000-$2,200\uff09\uff5810\uff05\uff0b$150x5x10\uff05\uff1d$5,050\uff1d\uff1eOut-of-pocket Maximum$4,500\u306e\u8ca0\u62c5<\/p>\n\n\n\n

\u6708\u3005\u306e\u4fdd\u967a\u6599\u304c\u3044\u304f\u3089\u304b\u3082\u91cd\u8981\u306a\u30dd\u30a4\u30f3\u30c8\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u4e0a\u306e\u30c1\u30e3\u30fc\u30c8\u306b\u306f\u3042\u3048\u3066\u4fdd\u967a\u6599\u3092\u66f8\u3044\u3066\u3044\u307e\u305b\u3093\u3002\u3044\u304d\u306a\u308a\u4fdd\u967a\u6599\u304b\u3089\u6bd4\u8f03\u3092\u59cb\u3081\u308b\u3088\u308a\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u304b\u304b\u308a\u3084\u3059\u3055\u3001\u5065\u5eb7\u7dad\u6301\u306e\u3057\u3084\u3059\u3055\u3001\u3082\u3057\u3082\u306e\u75c5\u6c17\u3084\u30b1\u30ac\u306e\u3068\u304d\u306e\u88dc\u511f\u3092\u3057\u3063\u304b\u308a\u8003\u3048\u3066\u304b\u3089\u3001\u4fdd\u967a\u6599\u306b\u76ee\u3092\u3068\u3081\u305f\u307b\u3046\u304c\u3088\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001HSA\u306e\u4f7f\u3048\u308b\u30d7\u30e9\u30f3\u306f\u901a\u5e38\u4fdd\u967a\u6599\u304c\u5b89\u3044\u3046\u3048\u306b\u3001Employer\u7a4d\u307f\u7acb\u3066\u3082\u3082\u3089\u3048\u308b\u306e\u3067\u304a\u5f97\u306b\u601d\u3044\u307e\u3059\u304c\u3001\u3044\u3063\u305f\u3093\u75c5\u6c17\u3084\u30b1\u30ac\u304c\u3042\u308b\u3068\u5927\u304d\u306a\u51fa\u8cbb\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u306e\u3067\u3001\u305d\u3053\u3092\u3069\u3046\u8003\u3048\u308b\u304b\u304c\u6c7a\u65ad\u306e\u5206\u304b\u308c\u76ee\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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