To begin with, a number of researchers have in the past connected the high risk of deaths with lack of proper insurance. The same issue is critically argued by Wilper et al. some researchers have even gone to an extent of suggesting private health insurance, although costly, is more effective than public health insurance (Goodman). Note that, this is not the issue with Wilper et al study. In fact, Wilper et al compares health insurance and mortality rate, with their argument being that the lack of health insurance is the cause of 45,000 adult deaths that take place in America every year. The same problem has been advocated by researchers such as David Cecere, of Cambridge Health Alliance. According to Cecere, lack of health insurance is the cause of most adult deaths in the US every year. Cecere also argues that the figure provided by Wilper et al is two and half times higher compared to estimates provided by the Institute of Medicine (IOM). Another research published by the American Journal of Public Health established that adult Americans who are uninsured have a 40% more risk of dying compared to those with health cover, further emphasizing on Wilper et al argument. The study carried out by Wilper et al is, therefore, a clear indication that the increasing number of deaths among adults in the US is down to lack of health insurance coverage. Wilper et al have utilized data from the Center for Disease Control and Prevention (CDCP), which was formulated after a survey was undertaken all over the country, which makes their study valid. Furthermore, Wilper et al consider various factors, including income, which make health insurance acquisition difficult for some people. Their argument also suggest that while most adults Americans ... ... middle of paper ... ...289-2295. Works cited: Cecere, David. New study finds 45,000 deaths annually linked to lack of health coverage. 17 9 2009. http://news.harvard.edu/gazette/story/2009/09/new-study-finds-45000-deaths-annually-linked-to-lack-of-health-coverage/. 28 4 2014. Goodman, John. Is Private Health Insurance More Costly Than Public Health Insurance? Five Principles . 9 1 2013. http://healthblog.ncpa.org/is-private-health-insurance-more-costly-than-public-health-insurance-five-principles/. 28 4 2014. Park, Madison. 45,000 American deaths associated with lack of insurance. 18 9 2009. http://www.cnn.com/2009/HEALTH/09/18/deaths.health.insurance/. 28 4 2014. Wilper, A. P., Woolhandler, S., Lasser, K. E., McCormick, D., Bor, D. H. & Himmelstein, D. U. 2009. Health insurance and mortality in US adults. American journal of public health. Vol. 99, Issue-12, Pgs 2289-2295.
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)
Access to healthcare provides financial stability by assuring people that they will not be financially destroyed by injury or illness. Additionally, when people can afford regular medical care they tend to avoid chronic problems and financial stress. In a study provided by the American Medical Students Association, researchers reviewed the costs and benefits of universal health care. They came to the conclusion, after reviewing other articles and statistics from multiple sources, that, “The annual cost of diminished health and shorter life spans of Americans without insurance is $65-$130 billion.” (Chua 5) This comes from people not having adequate health care and then losing their jobs because they...
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.
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...
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...
In Malcolm Gladwell’s essay “The Moral Hazard Myth”, Gladwell introduces the topic about uninsured Americans, and the consequences they face since they are unable to afford their medical expenses. The author talks about Americans oral health problems, and one of the reason behind it is because people simply cannot afford it. This leads them to take maters in their own hands, whether its pulling out their teeth, or taking twenty Ibuprofens so they would be in less pain. All scenarios which uninsured Americans face due to the lack of affordable health insurance programs in America. Gladwell also talks about the “moral hazard” theory which is, the more health coverage available the more Americans use it inefficiently just because it is free.
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.
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 health of the American people lags behind those from other developed countries. Federal public health agencies have a wide range of responsibilities and functions which includes public health research, funding, and oversight of direct healthcare providers. It has been a long time since changes have been made to the way the federal government structures its health care roles and programs outside of Medicare and Medicaid (Trust, 2013). With healthcare reform on the horizon now is the time to invest time and money in prevention, not medicine, making it a top priority to improve health and prevent disease. Funding efforts at all levels of the public health continuum need to focus on developing programs aimed at such leading initiatives as tobacco cessation, improving nutrition, supplying safe workplaces, and increasing physical activity in all ages of the population. People should have equal access to quality preventative medicine and education.
According to the most recent numbers posted by the Census Bureau, an estimated 47 million Americans are uninsured. But let us examine these numbers closer. Of this 47 million, roughly 7 million are illegal immigrants, 9 million are on Medicade, 3.5 million are eligible for healthcare but do not pursue these available health services, and approximately 20 million families have incomes above the poverty level ($41,300 for a family of four) and can afford regular healthcare services with more coverage. Government tries to add all these factors together to make the numbers higher, in an attempt to gai...
insurance due to unemployment. There are also a lot of uninsured Americans that are employed, however the cost of health insurance keeps rising and many families are opting not to have the insurance so that the bills can still be paid. Lack of insurance has had the greatest effect on thousands of Americans who suffer from chronic diseases. These Americans are now unable to go to the doctor on a regular basis and keep up with their daily medicines that are necessary in order to help keep them out of the hospitals. While the number of uninsured has increased nationwide, the awareness of the general population as to the affects of the uninsured has not increased comparably.
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).
Millions of Americans are without health insurance in the United States due to many factors such as unemployment, the cost of insurance and insurance companies denying coverage due to pre-existing conditions. The United States does not provide health care to its citizens the way the rest of the industrialized world does. Instead of providing coverage for all it institutes market-based options, in which some receive coverage from their place of employment, another options are purchasing individual plans and some can obtain coverage through public programs like Medicaid. The United States is the only westernized industrial nation without a universal health care system.
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.
The US health system has both considerable strengths and notable weaknesses. With a large and well-trained health workforce, access to a wide range of high-quality medical specialists as well as secondary and tertiary institutions, patient outcomes are among the best in the world. But the US also suffers from incomplete coverage of its population, and health expenditure levels per person far exceed all other countries. Poor measures on many objective and subjective indicators of quality and outcomes plague the US health care system. In addition, an unequal distribution of resources across the country and among different population groups results in poor access to care for many citizens. Efforts to provide comprehensive, national health insurance in the United States go back to the Great Depression, and nearly every president since Harry S. Truman has proposed some form of national health insurance.