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Compare U.S. and Canadian health care systems
Comparing Health Care Systems throughout the world
Universal health care case study
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As I begin to prepare for medical school interviews this upcoming fall, I have spent time briefly learning about the various healthcare systems of a few different countries. The book “The Healing of America” by T.R. Reid describes how insurance plans work around the world, and often compares these systems to the United States. While I have not finished the book yet, and the healthcare plan is always seems to be changing, it becomes hard to fully understand the system in the United States. In addition to understanding health insurance for my future interviews and career in the medical field, it was very beneficial to learn about my own insurance plan in the case of any emergency or choosing my own provider in the next few years. My insurance …show more content…
It was placed to lower health care costs and eliminate practices that deny coverage to patients with pre-existing conditions. While the ACA was beneficial to much of the U.S. population that was previously uninsured, it also has some negative qualities. Because insurance companies began to extend their coverage to those with pre-existing conditions that were previously denied, prices of premiums for those who were already insured rose. After the ACA was activated, it was required to have health insurance, and those who are not insured have to pay a moderate fine. Some people are unhappy with the system, whether that is for the rising premiums or the intrusive government acts. In my opinion, I believe that any step closer towards universal healthcare is a step in the positive direction. In addition to providing care at more affordable prices through its wider range of coverage options, the notion that no one will be turned away from health coverage due to a condition is a superb act. In the past, it was difficult for those with pre-existing conditions to find coverage with many for-profit insurers. In many cases these patients were seen almost as a waste of resources and particularly money. Although it has its flaws, the ACA brought health insurance to millions of uninsured people. Perhaps it is the aspiring doctor in me, but I want to …show more content…
For example, last summer my dad retired from his almost 30 year job as a canine handler for the Greenville Police Department on July 25th. During this time, our health insurance through my dad’s employment was terminated and we were switching over to my mom’s insurance. Therefore, we were without insurance for just a few days. To our misfortune, about three days after terminating my dad’s insurance he became ill and we had to admit him into the hospital for what we thought was a heart attack at the time. With an overnight stay in the hospital and several tests, the cost of my dad’s emergency room visit got expensive quickly, and we had to pay completely out of pocket. After learning a brief overview of the universal healthcare services in different countries, I cannot help but think that issues such as this would disappear because there would be no switching plans around. While the idea of having only one option for health insurance may frighten some people, it seems to be working for other countries and could potentially alleviate some issues we have in the United States
I had no idea that it had so many other provisions, other than giving coverage to uninsured people. The research for the class has enlighten me, that it also included coverage for young adults up to age 26 through their parent’s health insurance plan, also that no one can be denied for a preexisting medical condition. Companies can no longer charge women more than men and business with more than 50 full time employees must provide health insurance. There were number of problems implementing it, as the Supreme Court gave the states a choice to do Medicaid expansion. There was a website melt down. Not enough patients were registering so insurance companies withdrew from ACA. There was no customer care service for people who were choosing health insurance from the market
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)
Universal health insurance is available to everybody with an option to purchase private insurance coverage (The U.S. Health Care System: An International Perspective, 2014). Approximately 90% of the population uses the national system in which premiums are income based. The system uses 240 private insurers for a non-profit, competitive system. Insurance costs are significantly less than the U.S. due to cost negotiations for medical facilities, appointments, and prescription medications (Sick Around the World, 2008). B. United States Healthcare System Healthcare in the U.S. has recently been affected by implementation of the Affordable Care Act (ACA) of 2010.
According to editorial one, universal health care is a right that every American should be able to obtain. The author provides the scenario that insurance companies reject people with preexisting conditions and that people typically wait to receive health care until it's too much of a problem due to the extreme costs. Both of these scenarios are common among Americans so the author uses those situations to appeal to the readers' emotions. Editorial one also includes logical evidence that America could follow Canada's and Europe's universal health care systems because both of those nations are excelling in it.
First and foremost is the fact that it has provided upwards of 32 million Americans with some type of health insurance coverage. With the passing of the law, all insurance companies are now required to cover ten essential health benefits, including but not limited to mental health, addiction and chronic diseases. This saves money because these are the very people that would end up in the emergency room for treatment if they do not have access to healthcare. It has removed the stigma of preexisting conditions and now ensures insurance companies will no longer be able to deny coverage because of medical conditions and the insured can no longer be dropped or experience increased premiums should they develop a catastrophic illness. The lifetime and annual limits on coverage were eliminated which will help those who encounter tragic injury or illness; possibly preventing them from bankrupting themselves trying to pay for life saving measures. Children can now remain on their parent’s policy up to the age of 26. This alone has supplied around 3 million people with insurance coverage that they didn’t previously have (Shaffer, 2013). Health care reform gave each individual state the opportunity (although not all exercised this right) and option to expanded Medicaid rosters, making the threshold 138% of the Federal poverty level (Chang & Davis, 2013). The Affordable Care Act which includes the Prevention and Public Health
I disagree with this statement because the Affordable Care Act (ACA) has been beneficial in a variety of ways. The ACA has many different components that facilitate better outcomes for patients such as insurance reforms that end pre-existing conditions as well as individual and employer mandates. I believe that the Affordable Care Act (ACA) will achieve its original goals of expanding access, making healthcare more affordable and improving the quality of care for millions of Americans. The ACA expands access through a variety of means. The Medicaid Expansion is one example. It provides medical coverage to Americans who were once limited to health insurance related to cost reasons. The Medicaid Expansion will benefit childless and low income adults who currently are disqualified from Medicaid regardless of income. This in itself will help millions of Americans gain access to healthcare if their state has opted in. Also, the ACA expands access through employer and individual mandates. The employer mandate will allow large employers to provide health coverage to their full time employees at descent rates and the individual mandate will allow Americans to purchase federal subsidized...
One of the most controversial topics in the United States in recent years has been the route which should be undertaken in overhauling the healthcare system for the millions of Americans who are currently uninsured. It is important to note that the goal of the Affordable Care Act is to make healthcare affordable; it provides low-cost, government-subsidized insurance options through the State Health Insurance Marketplace (Amadeo 1). Our current president, Barack Obama, made it one of his goals to bring healthcare to all Americans through the Patient Protection and Affordable Care Act of 2010. This plan, which has been termed “Obamacare”, has come under scrutiny from many Americans, but has also received a large amount of support in turn for a variety of reasons. Some of these reasons include a decrease in insurance discrimination on the basis of health or gender and affordable healthcare coverage for the millions of uninsured. The opposition to this act has cited increased costs and debt accumulation, a reduction in employer healthcare coverage options, as well as a penalization of those already using private healthcare insurance.
Out of all the industrialized countries in the world, the United States is the only one that doesn’t have a universal health care plan (Yamin 1157). The current health care system in the United States relies on employer-sponsored insurance programs or purchase of individual insurance plans. Employer-sponsored coverage has dropped from roughly 80 percent in 1982 to a little over 60 percent in 2006 (Kinney 809). The government does provide...
Therefore, the Affordable Care Act increased access to healthcare. The group that benefited the most was the individuals with pre-existing conditions. Prior to Affordable Care Act, insurance companies had the right to deny the application of those with pre-existing condition like asthma and diabetes. However, with the ACA, insurance companies cannot deny their application and they can’t increase their premium. Another group that had advantages of this new act are the poor people. People who are up to 138% of poverty level or the individuals that make less than $15,854 a year will be eligible for
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.
More than one-third of Americans who are between the ages of nineteen and twenty-four are uninsured. This is because most insurance is provided through a person’s job, and entry-level jobs which isn 't available for all young students. In addition, healthcare costs are currently rising faster than inflation, which means that salary increases cannot compensate for the higher prices of health care. Government regulation and a universal system could help keep costs affordable. A universal system would guarantee that everyone could receive health care regardless of preexisting conditions. Consequently, more people would be able to seek preventative services, like checkups, to maintain good health and detect problems early. Too frequently, people avoid taking preventative health measures until something is too late because of how expensive it is. While there 's a debate over how the U.S. should pay for a universal healthcare system, a good idea is to study the ways several other countries have successfully implemented such a system. Europe has a system in which all residents pay into a common fund that creates a pool of money and provides benefits to all. We must figure out a way to effectively adopt a universal healthcare system that provides care to all
Many people have different opinions about the Affordable Care Act, but overall it is a good idea for America as a whole. Many Americans already like this health care reform. It will benefit many people and, in conclusion, is constitutional.
The Healthcare Reforms Act 2010 or the Affordable Care Act introduces the universal form of health care. The ACA seeks to reduce healthcare costs and allow people to be more engaged in their own health care. The ACA intends to make healthcare more affordable and increase access of health care by expanding government’s Medicaid program to the financially disadvantaged, such as the low income earners, disabled people and people over 65 years of age (Arvantes, 2010).
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.
Having health insurance has been one of the hottest topics in our country for many years. Republicans and an abounding number of U.S. Citizens have fought the Affordable Care Act for it not being as affordable as the President made it out to be. Has it ever dawned as to why more and more individuals avoid a doctor’s visit just for the fear of having that immense bill at the end of the month? Health insurance is a very important commodity to have, but in reality, very difficult to sustain, especially if you are only able to sign up annually. Not only is it an annual sign up, the premiums and co-pays are dreadfully expensive making it even harder to consider. Even then, health insurance companies facilitate reluctantly when guaranteeing their