Being An American Guarantees The Right And Responsibility

Health care insurance in the U.S. is extremely competitive and not always fair. Recently in 2012, The Affordable Care Act passed by Barack Obama set new regulations regarding insurance. According to this Act, employers of 50+ employees must offer health insurance, public health insurance such as Medicare and Medicaid was made affordable for those that qualify, it is illegal for anyone to be denied insurance due to pre-existing conditions, and everyone must have health insurance or they will endure tax penalties. For Medicare and Medicaid, each state has different qualifications regarding eligibility. Private health insurance is not mandatory, but many of those that can afford it prefer it because it will cover more than any government insurance. Private health insurance also offers family plans along with single plans(varying from company to company), which will definitely attract middle to high income families. Health insurance is an absolute essential in the U.S. as it is up to the citizen to obtain one that works for them.

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 began in the 1930’s when the Great Depression hit the United States. After the great depression it became very noticeable that health coverage was needed to protect the people and get them the health care treatment they needed. Too many people were dying of sickness and not able to afford the treatment. It wasn’t until the government tried to create some type of insurance to help with these costs. Medicare was created in 1965 for the elderly citizens. At that time there was also commercial and private insurance for Americans. “For years, clinicians have advocated for health insurance coverage for all Americans. Now, through the Affordable Care Act, the nation is one step closer to this goal. October 1, 2013, marks the

In America, we not only have the problem of the non-insured but the under insured which causes just about as much problem as the underinsured. Each group has contributed to the vast growing cost of healthcare. Over the last decade or two, the amount of uninsured has risen due to the job market in the economy and the fact that most insurances are tied to employment, which is also a problem as the unemployment rate rises. The purpose of this paper is to explore this issue.

| Most American receives their health coverage through the private insurance market, usually through their jobs. Many people buy insurance on their own in the individual market. Since coverage from private companies is the largest surge of insurance for Americans it is likely to be a central part of federal and state health reform efforts. Private health coverage is a mechanism for people to protect themselves from the potentially extreme financial costs of medical care if they become severely ill,

The first problem faced by the Americans after the health care reform entered into force, is the growth of insurance fees. Insurance companies, in order to protect themselves from the increased risk of payment for the treatment of their clients, have raised fees for their services. Therefore, many healthy citizens were against this law because they did not want to take payment for the increased risk of insurance companies. Now, there is a monopoly on the market which allows the companies to set higher prices, and the government provided them by law that all the citizens will have to buy their services. Thus, the authorities of the country provided a steady income for their insurance organizations using the citizens

Since the 21 century there has been nearly 50 million uninsured Americans and as of today the number continues to increase. This has made medical care to projectile. Change has been needed and incompletely answered these last past few years. It a while before this country to get employer mandate of the affordable care act (ACA). Social security was developed in the 1930's with the anticipation of universal healthcare. Then in the 1940's companies started to offer health care packages to their employees as an incentive to get them to work for their company. During the 1950 strong labor unions recuperated and started to accommodate an amplification of health care of health care coverage. Then in the 1990's Clinton administration started to try

In the beginning of the late nineteenth and early twentieth century, the “healthcare system” was left in the hands of the states, which the states handed off to private and voluntary programs to deal with. In the presidential term of Teddy Roosevelt, 1901-1909, he felt that “no country could be strong whose people were sick and poor.” (Palmer 1999) He did however back health insurance as a whole. Roosevelt was not the one fighting for the health care though, there were outside forces that impacted health care. The American Association of Labor Legislation (AALL) led the campaign for health insurance. They drafted their first bill by 1915. This bill wanted to limit the coverage toward the working class and anyone who earned less than $1,200 a year including dependents. The American Medical Association (AMA) backed this bill because they felt the same way about coverage. The AMA did not speak for all doctors and those who opposed this backing spoke up. The American Federation of Labor (AFL) opposed the bill because they felt that it would weaken the unions and they wanted to maintain their strength. The private insurance

Over the recent years number of American are without health insurance has increase significantly. The resent growth of uninsured American is mainly due to unemployment and permanent disables. At that, most American are employed, fulltime and still making the decision not to have insurance because some think it is the federal government responsibility. Today, the United State has over twenty million of American uninsured. In 2009 over thirty-five million were uninsured. The Afford Care Act ongoing issue on whether the government should provide health care for uninsured. The aims of Affordable Care Act were to ensure that all seniors have healthcare insurance, and to improve the health care delivery systems.

The goal of this essay is to discuss the health care system in the United States. Another aim of this essay is to discuss the health policy, to improve, and to reduce inequalities. In the United States the private insurance system is a major provider of health care services, health care system is expensive and in many cases not efficient. This essay focuses on the patient Protection and Affordable Care Act, Formulating, Legislative, and Implementation stages.

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

Recently, the Affordable Care Act (ACA) celebrated six years since the law’s passage. During that time, there have been many debates and slow changes to the United States healthcare system. One area that has been debated is in regards to employer-based health insurance along with the advantages and disadvantages in providing this type of coverage. Since there is more information about the expansion of health insurance options and how the exchange sponsored insurance plans are functioning, the discussion on if employer-based health insurance is beneficial or detrimental will be examined.

It will be realized that the Obamacare which is also referred as Affordable Care Act happened to become a law in 2010. Notably, the act was basically aimed at offering health insurance coverage to citizens in American that was affordable (Kennedy 2013). Obama healthcare system was also designed in order to guard the consumers from most of the tactics by the insurance companies which may in the long run restrict care and increase the patient costs. Statistics extend to reveal that a large fraction of the Americans have greatly benefitted by obtaining significant insurance coverage as provided by the Affordable Care Act. Most of these individuals that have benefited were those having low-paying jobs as well as the unemployed. Some of these individuals were unable to work as a result of obligations from the families and due to disability while others failed to obtain superior health insurance following pre-existing medical conditions like chronic disorders (Japsen, 2014).

Health insurance is essential in order to assist in paying for hospital and clinic visits. Without health insurance cost would be astronomical and people would not be able to afford health care. Blue Cross/ Blue Shield and Health Maintenance Organization, were some of the many insurance companies widely used before the Affordable Care Act. Although health insurances existed, many individuals and families were not able to afford them due to the increase in the cost of health care. New research over the years has enabled the creation of new medicine and technology in our practice. This leads to services being more expensive for individuals, which raises the price of insurance.

Introduction: Healthcare reform in the United States has preferred to change the health care policy to ensure that all citizens are rendered affordable health coverage. Obamacare took effect in 2014 and provided coverage for over 32 million uninsured Americans with health insurance. With the new law in effect, insurance consumer cost will decrease and become more affordable for all U.S. citizens. Many American’s have formed a negative dispute to the fact, that from now on state officials will decide which insurance coverage they should purchase.