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Why having health care is important
Why having health care is important
Why having health care is important
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“Jaime’s a 27-year-old college graduate who hasn’t been to the doctor since her 11th grade physical” (USA.gov 2). Now acknowledge the fact that Jamie “makes less than $20,000 a year” (USA.gov 2). Like millions of people in the world, Jaime doesn’t have health insurance. “Every time I get sick, I get you know... If it can't be fixed with Advil, NyQuil and a good night's sleep I don't really have a solution for it. Between all of the obligations I already have like utilities and rent and student loan payments, within my budget, there's no way I can afford health care. If something bad happened to me... if I were in an accident or if I developed some kind of serious illness, there's no possible way I could afford it"(USA.gov 2). There is a …show more content…
Money is one of the reasons why people don’t have health insurance and that is because of their job status. Sometimes, it can take a toll on how we pay for things such as food, clothes, and gas. “Back in 1960, an average of $147 was spent per person on health care in the United States. By 2009, that number had skyrocketed to $8,086” (ObamaCare 3). This clearly shows how expensive it is, but for long term matters, it shows how it could keep climbing. Most people aren’t that clearly informed of what health insurance is. Health insurance is basically the type of insurance that covers and pays for medical and surgical reparations, but only by the people that are insured. So why don’t people have it? According to Sherrie Scott, “People without health insurance often avoid going to the doctor, usually because of the cost of the care.” Yes, the doctor is a scary place, but in order to survive and not live in pain, you have to go to the doctor, which then leads to expensive doctor bills. This is where health insurance would come into …show more content…
regardless of their work status and financial situations. This important because having health care can protect you from many tough situations like Jamie has faced. The two reasons why people don’t have health care, benefits of health care, and obstacles for having health care are some of the things people think about when they go through with Health insurance, but many Americans should look past this as if they should think they are going to get care if they need it. I know I don’t pay the bills in the family, but I believe it’s important to know what exactly it covers and what will happen. Everyone should have health insurance because of the overall fear of not knowing what might happen to
Have you ever went without health insurance between jobs, or while working part time or because you just couldn?t afford it? No having health insurance is a big risk in a time where medical costs are sky high, Prescription drug prices are outrageous and when your paying your family doctor $50 for a office visit. Fifty dollars represents a full 8 hours of work for many Americans.
On a global scale, the United States is a relatively wealthy country of advanced industrialization. Unfortunately, the healthcare system is among the costliest, spending close to 18% of gross domestic product (GDP) towards funding healthcare (2011). No universal healthcare coverage is currently available. United States healthcare is currently funded through private, federal, state, and local sources. Coverage is provided privately and through the government and military. Nearly 85% of the U.S. population is covered to some extent, leaving a population of close to 48 million without any type of health insurance. Cost is the primary reason for lack of insurance and individuals foregoing medical care and use of prescription medications.
The Lack of health insurance coverage is most often the result of a combination of things. These factors include employment status, financial conditions and even health problems.(Feldman 2012) These three things can been seen as reasons why coverage can be difficult to obtain. In most states, insurers may deny applicants for coverage completely. They often try to impose either a permanent or temporary existing condition that puts limitation on your coverage. some may even charge a higher premium based on your health status your occupation, and other personal characteristics . (Institute 2009) .For those people who consider themselves as self-employed who want to buy their own private health insurance, can be twice as expensive as that that is being offered through employers. (Feldman 2012)
The United States spends vast amounts on its healthcare, while falling short of achieving superiority over other developed nations. One cannot overlook that the deepening recession has left many without jobs and therefore lacking health insurance. According to Fairhall and Steadman, (2009), even though the recession is hard on all, it is worse on the uninsured due to health care and insurance cost rising faster than incomes. Nevertheless, even those with jobs are lacking in health insurance due to employers, who provide insurance, are increasingly dropping their sponsored insurance. Many find that purchasing a health policy or paying for medical care out-of-pocket is cost prohibitive. “Since the recession began in December 2007, the number of unemployed Americans has increased by 3.6 million,” (Fairhall & Steadman, 2009). In 2009 it was stated that approximately 46 million Americans were uninsured, however not all of that number is due to the inability to afford coverage. According to a 2009 story written by Christopher Weaver of Kaiser Health News, 43% of that number should be classified as “voluntarily” uninsured. This subset of uninsured Americans consist of nearly half being young and healthy; therefo...
There are several issues concerning the uninsured and underinsured patient population in America. There are many areas of concern the congressional efforts to increase the availability of health insurance, the public image of the insurance industry illustrated by the movie "John Q", the lack of good management tools, and creating health insurance coverage for all low income Americans. Since the number of uninsured Americans has risen to 43 million from 37 million in the flourishing 1990s and could shoot up even more severely if the economy continues to decrease and health care premiums keep increasing (Insurance No Simple Fix, 2001).
However, our system is based on money. The more money you have to spend, the better medical services you will receive. ?According to the Bureau of Labor education at the university of main (2003), America spends more money oh health care than any other nation, "$4,178 per capita on health care in 1998?, compared to the average of $1,783. (BLE., 2003, p.23). Still an estimated "42.5 million Americans are living without health insurance", which prevents them from receiving medical treatment. (Climan, Scharff, 2003, p.33). The numbers of un-insured Americans continue to rise. Tim Middleton (2002) states, ?insurance premiums grow at a rate greater than wages,? when you have a low-income job. (¶ 9). With our current economy recession, taxes are rising and small business employers are unable to purchase health plans for their employees. Employees are realizing that they are unable to gain insurance from their jobs and beginning to speak out about the high price of health care.
Until Obama-care, The United States was one of the only developed nations that did not provide some sort of health care for its citizens. To most other nations that do provide healthcare, it is because it is considered a human right that all people should be entitled to. That hasn’t been the case in America, however, where only those who could afford it could have healthcare plans. Those who stand to gain the most from universal healthcare are the already mentioned 45 million americans who currently don’t have any form of healthcare. For many of these individuals, there are many obstacles that prevent them from gaining healthcare. 80% of the 45 million are working class citizens, but either their employer doesn’t offer insurance, or they do but the individual can n...
Health Insurance is one of the nations top problems, the cost is rising for premiums, and many businesses just cannot afford it. As Americans many of us have the luxury of health insurance, but far too many of us have to go without it. This is something that always seems to brought up at congressional debates, but little is done about it. “In 2013 there were 41 million people reported with out health insurance coverage, this is too many considering those people probably were sick at some point through out the year, and they couldn’t afford treatment.” We need to find someway to make sure that every citizen of the United States is able to have affordable healthcare for themselves, and their families.
It is essential for the United States government to provide its entire citizen with a free health care. This system ensures that everyone has an access to medical services regardless to his or her social status. It is an important way of preserving life as free health care plan ensures free treatment to the entire citizen. In addition, it can play a big role of ensuring that there is an improved access to health services. Ensuring that all American citizens have an access to the right health care will in turn decrease health care costs. It can also help to stop medical bankruptcies in the entire nation. Lastly, it is one way of reducing poverty as it will lower the debt of the US which would then increase employment.
Health Insurance being mandatory let us solve lot of problems that we are facing nowadays like free riders, more number of uninsured in the country, etc.
With the United Nations listing health care as natural born right and the escalating cost of health care America has reached a debatable crisis. Even if you do have insurance it's a finical strain on most families.
Health insurance should be mandatory to all individuals because, at some point, every individual will need medical attention. It covers the unpredictable moments in life. Opponents argue that, many people are in good health, and they will not need health care at some point in their life. No one expects to get sick, but medical attention is needed at some point, because, no one knows when an accident may happen, or when a family member will get seriously sick. Therefore, when this time comes, it will be very easy ...
Donald Trump said, “I support health care for people. I want people well taken care of. But I also want health care that we can afford as a country. I have people and friends closing down their businesses because of Obamacare”. Clearly, Trump is not a believer in Obamacare since it has hurt so many small businesses from being able to grow; however, he thinks that healthcare is an important program that should be there. Donald Trump is not the only person with an opinion of Obamacare, especially since it has been a hot debate ever since the Obama administration introduced it. Obamacare is technically the Affordable Care Act of 1020 and the Patient
The insurance mandate makes it affordable for those high-risk individuals. This may appear unfair for the young and healthy who believe they do not need insurance. However, it is not fair for those with pre-existing conditions and are denied coverage (i.e., cancer, pregnant, mental health issues, and etc.). There is no feasible way to “have your cake and eat it too; you can’t let some people choose not to purchase insurance and still cover all the riskier, more expensive people who want insurance—there's just not enough money to go around.”5 For those individuals who are healthy but fall ill or get into an accident, they will get the coverage they need instead of paying all of it out-of-pocket. Although, the ACA is not perfect, an additional 16 million Americans have coverage and uninsured rates have gone down to 10.4 percent. The only way this was possible was through the individual mandate.5 An additional problem that individual mandate tackles is the free-rider problem. Individual mandates minimize the free-rider problem by making it a legal requirement that individuals carry their own insurance
Health insurance facilitates entry into the health care system. Uninsured people are less likely to receive medical care and more likely to have poor health. Many Americans are foregoing medical care because they cannot afford it, or are struggling to pay their medical bills. “Adults in the US are more likely to go without health care due to cost” (Schoen, Osborn, Squires, Doty, & Pierson, 2010) Many of the currently uninsured or underinsured are forced accept inferior plans with large out-of-pocket costs, or are not be able to afford coverage offered by private health insurers. This lack of adequate coverage makes it difficult for people to get the health care they need and can have a particularly serious impact on a person's health and stability.