Argumentative Statement For Insurance Companies

As a growing number of Americans find themselves without health insurance, it is demanded that the United States explore innovative policies aimed at extending coverage. The high cost of expanding coverage raises many questions about how best to improve access while preserving individual choice and maintaining quality of care. Differing viewpoints among policymakers, insurers, doctors, hospital administrators, employers, public health advocates, and health policy researchers provide a complete picture of the current and desired state of American healthcare.

Insurance is a critical part in the health care of Americans that would use it for life threatening, unaffordable and spontaneous health issues. But instead insurance has created substantial problem because it is being utilized as a payment system for everyday primary health care and not to cure

The subject of insurance and how heavily the government can mandate it or not mandate it is a constant struggle in politics. There is always the question of “what kind of relationship should the government have with its people and what role should it play with businesses?” Currently, a popular subject is the Affordable Care Act (Obamacare) and it is challenging the boundaries by requiring people to have health insurance and requiring businesses to offer health insurance to everyone and anyone. Mandating insurance is a hot button subject in other areas too that we will discuss like auto insurance, workers’ compensation insurance, and professional malpractice insurance.

The number of Americans without health insurance is still high enough that the negative consequences outlined above pose a significant threat to many people. As of January 2015, the percentage of uninsured Americans stood at 12.9% of the total population (Levy, 2015). Although this may seem like a low number, this statistic indicates that there are tens of millions of people in the U.S. who are susceptible to the risks of dying at the hands of something that could have been prevented with coverage. Thus, the uninsured rate is still high enough to warrant concern from policy makers and should serve as a call to action to work towards getting as many Americans as possible covered.

In the United States, there are many health insurance offered in the market for its citizens. Either through their employer or in the private market where coverage in not guaranteed and if you have a pre-existing condition, you will likely be denied. As private insurances soars, high premiums becoming unaffordable in the US, having the healthcare system failing to cover over 46 million Americans and leaving millions uninsured leading to bankruptcy (Palfreman, 2009). As most of the developed countries have removed the dependence of the health insurance

Insurance companies are a business with the ultimate to goal to make more than they spend.

We live in the United States, “The Land of the Brave and Home of the Free.” However, the United States is the only developed country that does not provide guaranteed insurance coverage for all citizens and they’re thereby doing not ensure access to health services (Government hub, n.d.). Meaning other countries offer health coverage without cost. This always disappointed me because America is the richest, and most unequal, country (Sherman, 2015). So why wouldn’t America provide American’s health care insurance (McAlearney, 2003, p. 20). Since the United States does not provide universal health care coverage, we will discuss briefly forms of insurance offered to Americans, the categories of insurance and how individuals qualify for coverage and Affordable Healthcare Act (Obama Care).

The United States has maintained a tolerate-hate relationship with undocumented immigrants, and really immigrants in general. DeSoto (2016) provides a unique perspective in regards to the system surrounding undocumented immigration, “until the nature of global capital is arranged so that such [economical] asymmetries are less extreme, people will migrate towards money and opportunity and way from poverty and lack of opportunity” (p. 2). As Hilfinger-Messias, McEwen, and Boyle (2015) emphasize, more often then not when immigrants become increasingly visible in society nativism resurfaces exclusionary tendencies, and immigration policies become increasingly prohibitive and strict,

Astronomical costs together with increased numbers of uninsured citizens in the United States creates an environment where health care premiums continue to grow at an astronomical rate with many businesses simply choosing to not offer a health plan—or if they do—they pass on more of the cost to employees. Employees facing higher health care premiums often choose to go without health coverage. Being uninsured does not mean going without health care; there are many clinics and services that are free to indigent individuals. However, any costs not covered by insurance are absorbed by the rest of the population, which translates to higher premiums for the middle class. (Messerli, 2014)

Secondly, John Goodman shares his defining moments of the current methods of insurance payers and how they work:

The constituent contacted the GAO asking why her father got denied Medicare. Her father is residing in California and he came to visit his family in Oregon.He needed to see a dentist, so he applied for OHP, but got denied. The constituent was informed that her father cannot receive Medicare in two states at the same

For the first time in history, insurance companies will no longer be allowed to simply tell a person “no”. They will be required to offer coverage and accommodate regardless of a person’s health status, and they will not be able to jack up rates or drop any one from coverage when the main person in the insurance packet gets sick.

The health sector is among the most important sectors in the United States economy. The government has enacted certain laws that affect the corporation’s activities and the insurance industry in general. The regulation affects competition among the health insurance companies, and the insurance industry in general.

The inherently antagonistic relationship between insurance companies and consumers is the “core problem” with insurance, but there is more. Imagine a retail organization that could somehow force every single person within the selling area to buy their product. With insurance, on the other hand, certain kinds of insurance are mandatory. It is against the law to own and operate a car without insurance. If the mortgage is greater than a certain percentage of the value of the house, so is Private Mortgage Insurance. Aside from the fundamental unfairness of mandatory insurance, when purchase becomes mandatory rather than voluntary, costs are likely to become inflated. Furthermore, when something is covered by mandated insurance, the costs of repair and replacement become inflated. People charge more because it is covered by insurance. How many people who have suffered fender bender auto accidents haven’t noticed overpriced estimates from body shops when the work is covered by insurance? In other words, most purchase decisions are based upon perceived value – the trade-off between the quality of the most desirable benefits and the price paid for those

In the next five years, increased interest rates and increased investment in new activities will promote the vehicle insurance industrial.