Pros And Cons Of Health Insurance

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Ans 1) To mandate the insurance or not is a big question to be answered and still there are a lot of problems associated with mandating the Health Insurance in United States. A lot of views have been given by people regarding whether there is need of mandating the Health Insurance or not.
Let’s first discuss about - Why it should not be mandatory?
Insurance should not be mandated as in United States there are a lot of individuals which are not able to pay for the health insurance and is unaffordable for them to get the health insurance. So if the insurance is done mandatory these people have to purchase the health insurance in any case. This gives rise to another question that if they don’t have enough resources to buy the Health Insurance …show more content…

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.
From the individual perspective mandating the health insurance will firstly make the individual be independent rather than relying over the society and whatever cost of medical treatment due to catastrophic events the insured faces in his future will be covered by the Health Insurance and he has to bear very less cost of the medical treatment. And also those services will be there whether the person gets sick or not.
From the hospital perspective mandating the health insurance will reduce the problem of Free riders into the Hospital and if a person who is insured visits the hospital for the treatment the cost of his medical treatment will not be totally absorbed by the hospital if the person is unable to pay for the treatment and the amount will be shared between the hospital and the insurance company.
For making a comprehensive healthcare reform to work it is necessary to spread the cost of those with high medical needs which can be easily done by mandating the health insurance. A good example of this can be understood by individual mandate done in Massachusetts where it has been very effective and only 2.6 5 of the population is left uninsured.

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