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Argumentative Essay On Free Healthcare

America Needs Affordable Health Insurance

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     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.

     Most people rely on their employers to provide them with health insurance, but with many health care is not available through the employers. Many small businesses can simply not afford the high cost of health care, or it may be available, but the employee needs to pay the entire premiums.  A lot of employers are utilizing part time employees, the part time employees are usually not qualified for benefits, like health insurance. This is very unfortunate for these part timer’s not only because they will not get benefits such as health insurance, but also they probably have a slim chance of going full time because of the health insurance dilemma. Business owner’s need to assess what is good for them financially, and having plenty of part time employees who do not require insurance is probably the most cost effective method to keep the Business up and running.

     An option for folks who have no money is Medicaid. Medicaid is designed for the very poor people. Unfortunately you must meet Medicaid guidelines in order to be eligible for it. “In order to be eligible you must make below the poverty level that the government allows, this is about $1,497 a month for a single person, also if you are a child who is under 19, if you are pregnant, if you are out of work for a long time, or if you are HIV positive, you may be eligible to apply.” These guidelines alone generally rule out many of Americans. “The U.S. Census reported young adults (18-to-24 years old) remained the least likely of any age group to have health insurance in 2001.” More than 28% of this group does not have coverage.

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"America Needs Affordable Health Insurance." 123HelpMe.com. 11 Mar 2018
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These are the college age students that are making too much money for Medicaid, and their employers are not supplying the insurance.

     Another type of insurance is Medicare. Medicare is provided by the Government, and usually while you are working it is taken out of your paycheck. Medicare allows people who are over the age of 65, and some people with disabilities get a limited amount of coverage. There are two parts of Medicare, Medicare part B, and Medicare part A. Medicare part A allows for hospital costs such as, hospital stays, skilled nursing care, and hospice care. If you have to pay for Medicare A it is about $400 a month, plus you need to meet a $876 deductible per benefit period. Medicare B usually requires a monthly premium of $66, and it covers part of the doctor’s fee. Under Medicare there is no prescription drug program, so seniors must pay the retail cost of there medications, also Medicare part B only covers a very limited amount of the doctor’s fee, so the insurance must pay any remaining balances, which can be a lot. 

     Being uninsured is creating huge problems for families, and individuals. Uninsured U.S. children face a higher risk of developmental delays than those with health coverage (“Hidden Costs, Value Lost: Uninsurance in America” 6/17/03) Imagine having to go to school sick, or even missing school because you are unwell. This is what children with out insurance must do. Even if an adult is sick and misses work, there pay check will be smaller, and they will keep slipping down the poverty meter. For many middle income families, health care spending accounts for 15-20 percent of the family budget. “Each uninsured U.S. resident loses between $1,645 and $3,280 per year in lost wages and benefits and in the value that improved quality of life and longer lifespan would provide.” (Institute of Medicine, Bloomberg/Hartford Courant reports)

     There is great potential for getting everybody on health insurance. The doctors will be making more money, the common people will all be in greater health, the economy will probably have a boost. Prices are too high for any person if something catastrophic happened, and they needed health care. We need to create a system where everyone can pay a fair premium, and have good health care.

Works Cited

NCHC Facts about health care Online posting.
http://www.nchc.org/facts/coverage.shtml

Medicare Eligibility Tool Online posting
http://www.medicare.gov/MedicareEligibility/Home.asp?dest=NAV|Home|GeneralEnrollment#TabTop

Medicare Premium Amounts http://www.medicare.gov/MedicareEligibility/Home.asp?dest=NAV|Home|GeneralEnrollment|PremiumCostInfo#TabTop

Mass Health

Mass Health Eligibility
http://www.state.ma.us/dma/masshealthinfo/applmemb_IDX.htm



Essay Free Healthcare in the US

1770 Words8 Pages

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.
Introduction
A…show more content…

The United States should have free healthcare for all citizens I strongly believe that all American citizens should be entitled free healthcare. This is due to that fact that this can play a big role of ensuring that there is an improved access to health services. In addition, ensuring that all American citizens have an access to the right health care will also decrease health care costs. For instance, by allowing people to receive regular and preventive medical care and not wait until they are persistently ill to request treatment when medical costs are much higher (Niles, 2011). In relation to this free health care will promote equal chance by decreasing the number of people who are economically deprived in society (Niles, 2011). This can be because of bad health and other medically-related financial problems. In addition, health care industry can affect every living person in United State in one way or another. For instance, the uninsured are excluded from services, charged more for medical services and die when medical care could have saved them(Berkin, 2012). America is known to have some of the best doctors, and healthcare facilities in the World, however two thirds of our country do not have an access to health insurance, or cannot afford it(Berkin, 2012). The Right to Health Care notes that the United States is one of the few, if not, only, developed nation in the world that does not guarantee

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