America Needs Affordable Health Insurance
- :: 4 Works Cited
- Length: 825 words (2.4 double-spaced pages)
- Rating: Excellent
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.
How to Cite this Page
| The Health Insurance Crisis Essay - "No, Obamacare Has Not Reduced Insurance Costs" -- Yevgeniy Feyman, Forbes.com In the world today there are many different problems going on that should be addressed. Civic Engagement is something that everyone needs to take part in because other people can definitely use help. In my Freshman Gateway Class we have started a project dealing with the different problems going on.... [tags: Health Insurance Costs]|
:: 3 Works Cited
|Online Discount Insurance Leads Essay - Insurance leads are available for buying from online sources. This is advantageous both for the insurance agent and the customers because the internet is the quickest means for the two groups to get in touch with each other. These days a successful insurance agent would definitely try the online insurance leads. It provides a great competitive edge over others. The online Discount Insurance Leads not only serves as a profitable source of income but also provide leads with loads of discounts or at affordable pricing.... [tags: Insurance]||512 words|
| America Needs the Affordable Care Act Essay - According to Newsweek, the University Medical Center on average has about $100,000 dollars a month in unpaid doctor’s visits and operations and special procedures; this burden gets passed on to the County taxpayer (Johnson). Unpaid bills occur due to people taken to the hospital and either do not have, or have very poor health insurance. The current process is not fair to anyone, whether one has no health insurance or one who has paid for it. Under the Patient Protection and Affordable Care Act, otherwise referred to as Obamacare, signed into law on March 23, 2010, this requires all Americans to purchase health insurance.... [tags: America Needs Obamacare]|
:: 6 Works Cited
|Health Insurance Plans Essay - ... Research (Morrison, 2002) has found a very strong bond between health and income as employees give important to health in determining to purchase the health insurances. Higher income employees may emend be able to manage such financial risks and lower income employees may feel more inclined to dismiss the insurance coverage receive charity or bad debt concern if a chronic circumstance strike and heighten their insurance premiums, (Culter, 1994). Usually, premiums can vary for individual and family coverage and sometimes as a function of family size and composition and across some geographic areas.... [tags: affordable, premiums, coverage]||699 words|
| Essay about Is the Affordable Care Act Beneficial? - ... For instance, the government wanted health care coverage to be extended so the poor would be able to afford health insurance. To successfully accomplish this, they decided that they should “heavily [subsidize] the cost of purchasing insurance for the poor” (Eddlem, 2010, p. 1). When subsidizing the poor, the nation would be financially supporting and investing in the health coverage of those in poverty. These impoverished Americans have no access to health care, and typically a lack of health care leads to worse health conditions.... [tags: health insurance coverage]|
:: 4 Works Cited
| The Faults in The Affordable Care Act Essay - Many of today’s arguments within the American government have to do with health care. The Affordable Care Act, commonly known as Obamacare or The ACA, has been effective since March 23, 2010. Most of Obamacare’s major provisions, such as mandated individual coverage, just took effect at the beginning of 2014. Democrats support the health care reform while a majority of republicans are entirely against it. On paper the health care reform looks good, but there are a lot of things that could potentially hurt the American population.... [tags: obamacare, health insurance, fee]|
:: 4 Works Cited
| Key Provisions of the Affordable Care Act Essay - The Affordable Care Act or “Obamacare” was designed to assure that all Americans regardless of health status have access to affordable health insurance. The Affordable Car Act was signed into law March 23, 2010. The primary goal of this act was to decrease barriers for obtaining health care coverage and allow Americans to access needed health care services (Affordable Care Act Summary, n.d). After the legislation is fully implemented in 2014, all Americans will be required to have health insurance through their employer, a public program such as Medicaid and/or Medicare or by purchasing insurance through the health insurance marketplace exchange (Affordable Care Act Summary, n.d).... [tags: health insurance, health care]|
:: 9 Works Cited
|Essay on The Affordable Healthcare Act - ... Since they are healthy they risk being without insurance. ”Now, they will have to get insurance or pay a hefty fine. If they choose to buy insurance, they’re going to pay higher prices than if they had bought insurance before Obamacare took effect.” (Top 5 Negative Impacts of Obamacare) Another downside to the law is that it needs a lot of young, healthy people paying the premiums without using the insurance to cover the expenses of those who are ill. “It depends on getting a whole bunch of young people into the program.... [tags: president obama, health insurance]||762 words|
| The Necessity of the Affordable Healthcare Law Essay - In America the affordability and equality of access to healthcare is a crucial topic of debate when it comes to one's understanding of healthcare reform. The ability for a sick individual to attain proper treatment for their ailments has reached the upper echelons of government. Public outcry for a change in the handling of health insurance laws has aided in the establishment of the Affordable Healthcare Law (AHCL) to ensure the people of America will be able to get the medical attention they deserve as well as making that attention more affordable, as the name states.... [tags: equality, reform, health insurance, economy, tax]|
:: 15 Works Cited
|Health Insurance and Health Care in America Essay - In the world today there are many different problems going on that should be addressed. Civic Engagement is something that everyone needs to take part in because other people can definitely use help. In my Freshman Gateway Class we have started a project dealing with the different problems going on. We have split into separate groups and have all chose topics regarding different civic engagement opportunities. The topic that my group chose is Health Care. We have broken that down into different sections to research, so I picked health insurance.... [tags: civic engagement]||1349 words|
Health Insurance Poor People Business Owner Effective Method High Cost Medicaid Small Businesses Employers Sure
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.
NCHC Facts about health care Online posting.
Medicare Eligibility Tool Online posting
Medicare Premium Amounts http://www.medicare.gov/MedicareEligibility/Home.asp?dest=NAV|Home|GeneralEnrollment|PremiumCostInfo#TabTop
Mass Health Eligibility
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.
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