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Lack of healthcare in united states
A flawed U.S. healthcare system
A flawed U.S. healthcare system
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Many Americans each year suffer the effects of not having health insurance. Most cannot afford it or they are denied for ridiculous reasons from private health insurance companies. This is not a fair system for those who have pre-existing conditions like myself with cancer or they simply don’t make enough money to pay for it because let’s admit health insurance is more then a house payment. The main parts of the Patient Protection and Affordable Care Act (PPACA) that affected state governments in 2014 that made Medicaid coverage expand in most states. Federal funds paid for most of the resulting new costs, but there were small increases in state Medicaid spending on adults with incomes up to 133 percent of the federal poverty level. These …show more content…
My own grandmother could not afford to be treated and when she went to see if she had other options she was told she made too much. Keep in mind she is seventy nine and draws a social security check it’s not like she has a steady job. I believe that if we are Americans and we stand together we should be helping one another without worrying about how much they can give back to us at the end. We are a very greedy nation to the point where money overpowers kindness. This is just pure selfishness that also brings out the negative side of universal health care. If universal health care was to be passed by Congress then we the American citizens would be paying higher taxes and also be paying for other uninsured persons' health care expenses. This is why most people not just wealthy people do not like the idea of universal health …show more content…
The web site www.wearethe99percent.tumblr.com shares stories of those who suffer from the current health care system in the United States. My story is not on this site but I was diagnosed with cancer in 2010 and was denied coverage because it was pre-existing. People may argue that there are other ways for those who cannot get health insurance because of pre-existing conditions to receive health insurance. This may be possible through Medicaid. However, it takes a long time for the paper work and the approvals to go through, which means that for people who need the care now, they cannot have it until it is approved, and then most of the time they are denied
Due to the Patient Protection and Affordable Care Act signed into law on March 23rd, 2010; health care in the US is presently in a state of much needed transition. As of 2008, 46 Million residents (15% of the population) were uninsured and 60% of residents had coverage from private insurers. 55% of those covered by private insurers received it through their employer and 5% paid for it directly. Federal programs covered 24% of Americans; 13% under Medicare and10% under Medicaid. (Squires, 2010)
is the wealthiest country in the world and yet it is the only major industrialized country in the world that does not guarantee health care as a right to its citizens. Around 45,000 uninsured Americans die each year(What The U.S.). As a nation built upon the ideals of “Life, Liberty, and the Pursuit of Happiness” and the idea that the government is responsible for protecting it’s people’s basic rights, it is a great source of shame that the U.S. does not have universal health care. It is the government’s job to ensure it’s citizens’ rights, not make a profit off their suffering and the denial of one of their basic rights. Universal health care could save lives and ease suffering, physically, financially, and emotionally. It would take away a great financial burden off of each individual as well as the nation and government as a whole by not wasting all the per capita that we currently waste without universal health care. It would even be beneficial to capitalism because people would be more willing to take risks without the fear of having to go medically uninsured (Why The U.S.). By allowing its people to suffer and die, especially just to make a profit that will be needlessly wasted anyway, the U.S. government is committing a great immorality. Are not human lives more important than allowing greedy independent companies make a profit off of their suffering and deaths? As a country that is even willing to go to wars to protect the basic rights of foreign peoples,
The Affordable Care Act introduced a plan that would allow Americans with pre-existing conditions to obtain health insurance without the hassle of being turned down or fear of being charged higher premiums. The Pre-Existing Condition Insurance Plan was effective as of July 1, 2010. It allowed patient access to affordable healthcare in which they were previously denied due to their pre-existing condition (Affordable Care Act Summary, n.d.). Patients were required to be uninsured for at least six months before they obtained this form of health insurance. In January 2014, the PCIP plans no longer exist due to funding issues so Amer...
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.
Before Obamacare was passed, millions of Americans were uninsured, suffered and died prematurely each year since lack of health insurance. Insurance companies could deny any one for pre-existing illnesses or drop them when they get sick, or stop treating them when they touched annual or life-time perimeters. Over 60% of bankruptcies were associated to medical expenses, several of these people had insurance. Insurance companies had no limits on raising premiums. Preventative measures and wellness visits were not covered adequately (Mowrey, 2013).
The World Health Organization defines universal health care as, “ensuring that all people can use the promotive, preventive, curative, rehabilitative and palliative health services they need, of sufficient quality to be effective, while also ensuring that the use of these services does not expose the user to financial hardship.” This means that every citizen of a country will have access to health care; if someone cannot attain it themselves, then the government will provide it. This topic is controversial because the state provides health care funding for every citizen; it can easily be described as being socialistic. Also, without state provided care, every citizen may not have access to the level of care needed due to costs. This topic is especially relevant because thirty two of the thirty three developed nations have universal health care with the United States as the exception. However, recently the United States has adopted the Affordable Care Act, which possess traits of universal health care. Universal health care is not a good choice for society for three reasons. The first is that it lowers quality of care. Also, the whole system and the way it is set up could certainly be a burden on taxpayers and the government which could lead to some major debts. Third, it would be easy for people to abuse the system.
Our great and powerful nation, the United States, a country that much of the world views as the most highly developed nation in the world, is the only industrialized country that does not provide its citizens with universal health care, according to a report by the National Rural Health Association (NRHA 1). Being that we are a capitalist economy, perhaps the government feels it is the duty of the people to make sure they are taken care of. This makes sense, doesn’t it? We are all smart individuals; we can make decisions and take action for ourselves. But what can the individuals do when the cost of insurance and health care is too high for them to handle?
A universal healthcare system is a great idea in theory, but in actuality, no one has figured out a reasonable proposal for where the money should come from. Economists claim that more than 2 trillion dollars are spent on health care each year. That’s over $6,000 per person. It would be reasonable to assume that universal health care would cause the already grand cost of health care in the United States to increase even more. The most likely outcome is that taxpayers would have to pay into a large pool from which everyone would draw for their health needs. This would create several problems. First, it would raise taxes for everyone. It would also mean, fundamentally, that many people who choose a healthy lifestyle would be required to pay the same amount as people who choose to live an unhealthy lifestyle, which hardly seems fair. Finally, a universal healthcare system could lead to huge increases in unemployment. All of the Americans who are currently employed with private insurance companies could suddenly find themselves without work. Government regulation could lead to decreased salaries for doctors. This hardly seems like a more
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.
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.
Every year, hundreds of thousands of lives could be saved if more Americans were covered under the preventative heath care services. This includes cancer screenings, tobacco screenings, and vaccinations (Fox & Shaw e7). Luckily, after September 2010, the Affordable Care Act made it a requirement for more insurance companies to provide coverage for certain clinical preventative services. This allows individuals to pay a visit to a doctor without worrying about having to pay out of pocket. This also allows a doctor’s office to not charge a deductible or co-pay (Fox & Shaw e7). Of course, there are those few plans that come with flexibility on how to manage with the Affordable Care Act’s requirements. In example, when receiving a colonoscopy and removing the findings such as polyps, a colonoscopy would still be covered without the co-pay or a deductible (Fox & Shaw e9). Then there are other insurance companies that will require you to pay the deductible or co-pay before receiving the colonoscopy. Which then brings us back to the unaffordability. As for some individuals, this may cost them a fortune and they will eventually just decline the treatment just to avoid the payment. For others, they will move forward with the colonoscopy, but they will become skeptical about a follow-up visit due to the cost (Fox & Shaw e9). This then makes it
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.