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Health insurance dilemma in america
Health care reform in usa abstract
Health insurance dilemma in america
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One of the most prominent issues regarding healthcare reform is the question of whether health insurers should be allowed to deny coverage to individuals who have a pre-existing condition, or whether they should be forced to provide them coverage no matter the cost. This issue is one of the most controversial issues, because voters and politicians throughout the government have become very polarized. The debate, politically, has become stagnant and reduced to simple attacks on the opposing sides morals than practical reasons why or why not their side is correct. The fundamental problem is that an issue of this type has no right or wrong answer. Proponents of both sides of the issue feel that their side is morally in the right, while the other side is morally bankrupt (Gordon, 2017). Both groups have different ideological roots, and thus, are completely unable to comprise at all. …show more content…
These insurers take money from a large number of people, effectively betting that the total healthcare cost they end up paying is less than the money they collect. Health insurance spreads out the cost of healthcare. However, if some persons start paying money to the company, but have a pre-existing condition, then the company ends up losing money from the start. To allow everyone to have healthcare coverage, the Democrats needed to cover the costs of paying for all of these people. Thus they mandated that everyone have healthcare insurance, by passing into law the Patient Protection and Affordable Care Act. The legislation illegalized not have health insurance, and forced insurances to cover persons with pre-existing issues. That’s the crux of the
Many times people believe that they can change as they get older but Aristotle in The Nicomachean Ethics claims this is not true. Aristotle believes that there are six types of character and everyone is in one of those characters and no matter what they do they will always be in that type of character. Aristotle also tells how truth is determined in matters of practical choice.
They believe that the less government the better, believing that “government run affordable health care leads to inefficiencies and can be disastrous to the nation’s health overall.” They believe that health care should be left to doctors, HMOs and insurance companies to decide and manage. However, the Democrats’ main point on health care is that it should be funded and controlled by the government for the people. They hold that all people should be able to have the assurance of health without worrying about losing coverage or going into debt. This would be most effective for the poor and elderly, those who normally would not be able to afford coverage and need it most.
In recent years, the number of Americans who are uninsured has reached over 45 million citizens, with millions more who only have the very basic of insurance, effectively under insured. With the growing budget cuts to medicaid and the decreasing amount of employers cutting back on their health insurance options, more and more americans are put into positions with poor health care or no access to it at all. At the heart of the issue stems two roots, one concerning the morality of universal health care and the other concerning the economic effects. Many believe that health care reform at a national level is impossible or impractical, and so for too long now our citizens have stood by as our flawed health-care system has transformed into an unfixable mess. The good that universal healthcare would bring to our nation far outweighs the bad, however, so, sooner rather than later, it is important for us to strive towards a society where all people have access to healthcare.
The people of the United States have been suffering from a number of serious issues, all related to health care: millions go uninsured every year, health care is too expensive, and the quality of care is poor, especially for the price. The Patient Protection and Affordable Care Act, commonly referred to as the Affordable Care Act (ACA) or Obama Care, began addressing these issues. The ACA is a United States federal statute signed into law by President Barack Obama on March 23, 2010. The law was enacted with the goals of increasing the quality and affordability of health insurance, lowering the uninsured rate by expanding public and private insurance coverage, and reducing the costs of healthcare for individuals and the government. Although several of the act’s promises have not come into effect yet, it has managed to extend healthcare to the repetitively uninsured. While many of the accomplishments that the act has already made, and aims to make, are no small feat, there are still issues within the policies and procedures. For example, Obama Care boasts that it is a universal healthcare system. However, it is unlike any other in the world, and is technically forced on citizens in a variety of ways. It has been debated, that for that reason, the new law may come into violation of several human rights. Another significant issue with the ACA regards a cap on citizen’s out-of-pocket expenses, and the fact that the administration decided to delay making a definitive decision, potentially costing many American’s unprecedented medical fees.
The healthcare reform debate has been politicized in the United States for many years where there have been deliberate efforts by various stakeholders to ensure that they push for the reforms that are in line with the cost-benefit aspects that they have already envisioned. In this paper, I will attempt to prove that the reforms that have been witnessed in the healthcare in the recent years have not been effective and helpful to the society as a whole. When President Obama came into office, he promised to oversee great reforms in the healthcare which is his government he face much priority in the social policy aspects. The congress managed to pass the Patient Protection and Affordable Care Act (PPACA).
The Patient Protection and Affordable Care Act passed by President Barack Obama is a significant change of the American healthcare system since insurance plans programs like Medicare and Medicaid (“Introduction to”). As a result, “It is also one of the most hotly contested, publicly maligned, and politically divisive pieces of legislation the country has ever seen” (“Introduction to”). The Affordable Care Act should be changed because it grants the government too much control over the citizen’s healthcare or the lack of individual freedom to choose affordable health insurance.
Less than a quarter of uninsured Americans believe the Affordable Care Act is a good idea. According to experts, more than 87 million Americans could lose their current health care plan under the Affordable Care Act. This seems to provide enough evidence that the Affordable Care Act is doing the exact opposite of what Democrats promised it would do. On the other hand, this law includes the largest health care tax cut in history for middle class families, helping to make insurance much more affordable for millions of families. The Affordable Care Act has been widely discussed and debated, but remains widely misunderstood.
However, the reason a lot of these insurance companies are not popular among the general public is because they are new to the insurance game and are often unable to handle processing claims that have become second nature to the giants of the insurance industry. Opponents could also claim the ACA’s out of pocket maximum helps people not get drowned in debt. Sure, maybe the individuals themselves aren’t directly in debt and being spammed with outrageous hospital bills. However, the part of their bills that count toward their out of pocket maximum are sometimes unclear. “Even though things are a lot simpler now, depending on your plan not all services are going to be covered 100% and not all services are always going to count toward your out-of-pocket maximum. Double check that your health plan isn’t cutting any of the corners” (Out-of-Pocket) Opponents may also say that the ACA lowers premiums, but that 2008 statement has become increasingly known as a lie. Obama spent 2008 telling the American people throughout his campaign insurance would be reduced “up to”, “on average”, and “typically” $2,500 “per family, per year”. That turned out to be false and “by some estimates, the average rates in the individual market have increased nearly 25 percent compared to what they would have been without Obamacare, and have increased measurably in 45
Committee). The Democratic platform cites the Affordable Care act as responsible for covering more working families under Medicaid, preventing those with preexisting conditions from being denied coverage, and insuring 30 million previously uninsured Americans (The 2012 Democratic National Platform: Moving America Forward, Democratic National Committee).
In the United States, many would believe that all individuals have a right to health care. These citizens believe that everyone should have access to health care and that everyone should have an equal opportunity to get the care they need for themselves and their family. The United States of America has been built with many documents that can be interpreted to support the belief that health care should be a right for everyone.
The law was designed to provide health insurance to all uninsured Americans. The law requires all businesses to provide health insurance to all employees and for all uninsured Americans to seek health insurance (Thomma). The proposed law was supposed to lower premiums by $2500. The percentage of workers that enrolled in high premium health plans more than doubled when the Affordable Care Act was signed into law (Reed).
The United States of America is supposed to be the greatest nation on earth. We are supposed to celebrate freedom and praise equality. We are all supposed to have the opportunity to live a nice, long, wonderful life.There are quite a few problems that make the above difficult, to say the least.
Universal health care is medical insurance provided to all the residents of a country by their government. Out of all the major industrial countries, The United States is the only country without a universal health care system. In 2010, President Barack Obama signed a health care reform law making it illegal to be uninsured in America, which is a major step towards it. Universal Health Care should be mandatory in America because it gives everyone an opportunity to receive more equal care, the overall health of the population would increase and current insurance plans are unaffordable for many Americans.
Life is full of uncertainties. Risk lurks in every nook and corner of human life. In short, life is unpredictable. We need to be prepared for such circumstances. Leading a happy life, involves good planning and analysis for your personal health. Accidents do happen and you need to be prepared for such situations. In times of high health cost, you need to get covered for health risks.
...ue to numerous medical errors. With the amount of medical errors that currently do occur which is a current health care issue it cost the health care billions of dollar each year to fix the mistakes that were made.