Argumentative Essay On Health Insurance

They could face penalties that will increase gradually if they choose not to purchase an insurance policy.

Health insurance comes as second nature to many of us. We grab that blue and white card and put it in our wallet and forget about it until we are sick or injured. When this happens, there it is, cushioning our fall like the extra padding it provided to cushion our wallets. This is not the case with everyone, however. Many Americans have no cushion to fall back on, no blue and white card to show the emergency room when they have an unexpected health concern. No HMO with a convenient co-pay amount when their son or daughter develops an ear infection.

Health insurance is important as it allows people to receive health care. However, health insurance providers are not equal, which result in an unequal quality of care. Private health insurance leads to an increase quality of health care. This is show in the article “A National and State Profile of Leading Health Problems and Health Care Quality for US

Living in the United States, there is one essential thing you need to have, which is health insurance. Health insurance is a type of insurance that can covers cost of medical and surgical expenses when you need them. Without health insurance, the cost of one single surgery would be a enormous number. But in the United States, there are about 46 million americans are uninsured. To them, the cost of health insurance is too high. In America, the average cost of health insurance per month is about $328 and the minimum wage per hour in here is $7.25(where cite from?). From here, we can conclude that it is too expensive for those people to get sick. So, is the health insurance cost unjustifiably high? The answer is the highly developed technology, waste of health care budget and the free competitor in the health insurance market, caused health insurance’s price to remain so high.

The cost of health insurance has changed drastically over the years as it has become more expensive. Depending on personal characteristic, the cost of health insurance may vary. For instance, as individuals grow older the more expensive it becomes. In this case, health insurance is more costly because “older individuals require more health care” therefore “the cost of providing health care is rising” (Madura &Atlantic, 2012). Not only does this affect the high cost of health insurance, but the number of individuals uninsured. As stated by Madura and Atlantic (2012), “about one in every five workers is uninsured” and has increased since then because health insurance has become unaffordable. As a result, individuals tend to seek health care elsewhere as they can no longer

Some of the reasons some of the individuals may not want to buy health insurance the deductibles and premiums are very high and you pay way to much money for it. You also have to qualify for private health insurance.

Health is improving for everyone to life a good and happy life. If you are healthy you are more likely to succeed comparing to an unhealthy person. Medical procedures are expensive and it's for people to spend so much on these checkups or surgeries. Health insurance gives an opportunity to pay less comparison to your actual bill amount for your medical procedures.

Both of these things tell that having health care can save many things. Knowing that healthcare can save lives it can also save the money in wallets. Seeing that money makes up the economy it is no surprise free healthcare is important.

Another reason for the rising cost of healthcare is the cost of physician care, according to the American Hospital Association “the cost of physician care, both to insurance and patients, has risen 1.3% during the past year.” Because of this increase doctors are put in a corner, they are already locked into an agreement with the insurance companies and do not have much ‘wiggle’ room to negotiate fees and rates. So because of this the patients and consumers are forced to pay a much larger sum. Since there are higher costs and the insurers will not cover them, they are distributes to the customers through higher deductibles, co-insurance, and

Someone without health coverage are less likely to receive preventative care and therefore more likely to become ill which increases medical costs, [1].

How many college students have extremely thought about health insurance? Attending college is a stressful time for any student. While many students are in college many should not have to worry about paying for their healthcare bills. The Affordable Care Act gives college students more options to find an inexpensive insurance. Many should consider these possible options if they are planning to attend college or seeking for an inexpensive coverage.

The Government is a very important body as a stake in the health-care sector. Policies, Acts, and reforms are enacted and passed by the Government for adequate and better healthcare to meet the needs of its people. Insurance policies are one of the many ways that most States use to provide affordable and quality health care to every citizen. Although some of the laws may not have had a great impact towards the health-care, many have improved the services offered to the health-care consumer (Schmeer, 2016). Moreover, the government is also responsible for developing up policies which help in regulating the health

According to World Health Organization, “Universal Health Coverage means that all people and communities can use the promotive, preventive, curative, rehabilitative and palliative health services they need, of sufficient quality to be effective, while also ensuring that the use of these services does not expose the user to financial hardship”. (WHO.int) By doing so, we give the people the opportunity to be equal to the rest of the society. Since the cost of a healthcare plan is beyond most people’s budget in the United States, the average person spends more money on healthcare insurance than groceries and housing together. This condition leads many to have no coverage at all. In fact, there are over 45 million uninsured residents in the U.S. in it

Moreover, the benefits of expanding coverage outweigh the costs for added services. [4] Safety-net care from hospitals and clinics improves access to care but does not fully substitute for health insurance. These findings are supported by much research, although some cautions are appropriate in using these results. People with health insurance are protected against uncertain and high medical expenses and are more likely to receive needed and appropriate health care. In addition, having health insurance is associated with improved health outcomes and lower mortality, so employees with health insurance are more likely to be productive workers. You do not pay income tax on health insurance benefits so it is more valuable per dollar than the same amount in taxable pay. [5]

The healthcare system says that if one pays their insurance then they should get coverage. What the healthcare system forgets to tell people is that there are premiums to pay, even when one does not need healthcare at that moment. A premium is how much someone pays a month for their healthcare coverage. Since 2005 premiums has risen to the point that it takes almost takes all of an employer’s check (Clemmitt, Universal Coverage 2). If someone is unemployed or in school they just drop healthcare all together, because it’s