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Ambiguity Of Healthcare

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It is no secret that the healthcare system currently in place in the United States is less than stellar. Prices are high and benefits are low, and this obviously makes people extremely unhappy. While everyone has access to healthcare, it doesn’t always mean that they can afford it. And what they can afford sometimes dictates the care that they will receive. Even some with health insurance are finding themselves financially strapped because they are paying sky-high prices for insurance premiums and have deductibles that they’ll never be able to meet. But, they have insurance, and that is all that seems to matter in the eyes of the United States’ government. Healthcare in the United States needs to change, and it needs to do so quickly because …show more content…

Residents of certain states, especially those with larger populations like California and Texas got stellar deals on insurance, while those living in smaller, less populated states like Maine and Vermont got the shaft, because it was so expensive to offer insurance in those states (Forbes, 2016). The higher the population, the bigger the risk pool, and the bigger the risk pool, the lower the rates because there are more people to absorb the risk involved (Dorfman, 2013). This is where President Trump’s new plan, the American Care Act seeks to shine, by allowing insurers to offer national policies so that someone living in the state of Missouri can purchase a policy out of Delaware or Minnesota if that is what works the best for them. I personally believe that this is a better option for not only American citizens, but for insurance companies as well, they will have to spend less time developing policies for individual states, and more time developing policies that can fit a vast majority of citizens, no matter their location. By having unity across stateliness, it will allow better access to insurance policies that fit each person’s individual …show more content…

There are thousands upon thousands of different types of health insurance plans and policies in the world, but even with all of the versions and variations, there remains three main types, one like we have here in the United States, socialized medicine like that of Canada, and an income based policy like the German’s have (Ridic & Gleason, 2012). And out of the three, I think that the Germans have come up with the best idea. Their system works kind of like a retirement plan does, a percentage of your income is deducted and put into a healthcare savings plan, which can be later used for any medical care you may need. Although, we couldn’t adopt this particular plan in the United States, because this plan has the same problem that Obamacare did, requiring citizens to have insurance and penalizing those who don’t acquire insurance. But, I like the idea of making the price of insurance income-dependent, so that is an aspect that I would include into a health plan if I were to design one. Canadians, who follow socialized medicine very closely to the Brits, have beneficial aspects as well, the fact that nobody will be put out onto the street because of their inability to pay like the woman featured in Michael Moore’s movie Sicko (Moore). This woman was sick, and

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