Case Study : The Uninsured Population

A Health care system of any country is an important consideration for the purposes of the overall development. One of the most important and essential feature of the human body is the health and the systems. In the same manner, proper management is also necessary. Furthermore, all the countries of the world have few targets and achievements to be made. On the other hand, it should also be noted down that, economic development and social welfare the two most are the two important factors. Economic welfare is connected with the increase in the wealth of the people at large (Niles, 2011).

Health care spending in the United States of America as a percentage of the economy has reached astonishing heights, equating to 17.7 percent. This number is shocking when compared to other counties; in Australia health care is 8.9 percent, in United Kingdom 9.4 percent, in Canada 11.2 percent. If the American health care system were to hypothetically become its own economy, it would be the fifth-largest in the world. While these statistics sound troubling, they lead us to look for answers about the problems surrounding our system. The first health insurance company was created in the 1930s to give all American families an equal opportunity for hospital care and eventually led to a nationwide economic and social controversy that erupted in the 1990s and continued to be shaped by the government, insurance companies, doctors, and American citizens. In this paper, I will go in to detail about the various opinions regarding the controversy, the history behind health insurance companies, and the main dilemmas brought out by the health care crisis. Greedy insurance companies combined with high costs of doctor visits and pharmaceutical drugs or the inefficient hospitals all over America can only describe the beginning to this in depth crisis. Recently, the United States health care industry has become know for the outrageous costs of insurance models, developments of various social and health services programs, and the frequent changes in medicinal technology.

The availability of healthcare is an extremely important issue in the United States. There are millions of Americans that are uninsured in the U.S. A high amount of uninsured people are from minority groups such as Hispanics and African-Americans. High deductible payments, the cost of prescription drugs, and lack of health insurance coverage cause many Americans to choose to live without insurance to save money for everyday expenses beside healthcare. Without health insurance, people do not have access to quality healthcare. Most citizens are aware of the issues in the healthcare system, but the disagreement comes when discussing how the best approach on ameliorating the system. Some believe that a more public and universal healthcare system is the best approach. Others believe that America works best through free enterprise and private institutions, and believe health insurance should be more privatized. However, health care has been shown to work best and be more available through proper public government control as it will allow for all Americans to have access to equal healthcare, in which money does not dictate health.

Vulnerable populations is a term that creates an image of distinct and narrow-minded minority though the vulnerability of every individual to illness, disease, and injury has made health insurance necessary and probable for a huge portion of the American population. Vulnerable populations in the United States includes parents and children of immigrants, race/ethnic minorities, the disabled poor, the elderly, foster children, families ineligible for welfare, prison inmates and former offenders, children with special care needs, and residents of rural areas. However, the uninsured population has developed to become one of the vulnerable populations in the United States because of the risks and dangers associated with the lack of health insurance. As a result of the increased of the number of the uninsured, they have a huge financial impact on the vulnerable population.

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.

The healthcare system of the United States was established as a system of health and welfare programs created to provide affordable treatment to the citizens of the United States. Recently, the Affordable Health Care Act was passed changing the structure of the system (Mulvany, 2012). While in theory the new arrangement works, it has its flaws due to the resulting cost, slowness, and the government interfering with religious and personal beliefs. These problems have led many people to question the role of the government in the life of the individual.

It helped to provide coverage for low income Americans, and to assist them in managing the confusing healthcare industry to obtain the most efficient health care. Although the U.S. government should not interfere with market competition, more can be done to preserve the right of being healthy for every American. Within the Medicare and Medicaid programs, a greater option of choice and wider coverage could help improve the American healthcare industry and overall health of the average American

The impacts of a large portion of the population being uninsured can have an adverse reaction on the population who are insured. Study done by RAND Corporation and a UCLA shows that it hard for insured patients to find a regular source of care, have delay in their care or going care, and less satisfied with their care (Kelly, 2011, Para 2). Furthermore, high rates of uninsured population can also increase rate of acute health conditions and diagnoses. Thus, causing American health care to be more expensive and increase raise in disease, and sickness in the American population. According to Kaiser Family Foundation (2017), “Because people without health coverage are less likely than those with insurance to have regular outpatient care, they

Under a free-market system, health care is characterized in three ways – cost, access, and quality. In the United States, a mixed economic system that favors a free market system, health care is characterized as high cost, low access, and high quality. As such, these dichotomies pose an imperfect, inefficient scenario – the high cost and low access of health care lead people to not purchase insurance, while the high quality of health care drives people to still receive health care services. As a result, millions of Americans are currently uninsured, yet still utilizing various health care services, and are unable to pay their medical bills. This poses yet another conundrum - how can uninsured individuals receive medical care without paying for it? More importantly, who ends up paying for these services? Having recognized this gap between receiving medical care and paying for medical care,

Healthcare in the United States is an interstate system that accounts for 15% of the U.S. GDP and $5,635 per capita. Nearly 45 million – or 1 in 5 – Americans are uninsured. With insurance premiums rising yearly, the number of uninsured Americans projects to continue to climb. While new technologies will increase the efficiency of healthcare, the costs of these new tests and treatments will likely outweigh the savings. As the cost of healthcare rises, many employers will be forced to eliminate health insurance benefits for their employees, further increasing the number of uninsured Americans.

Doctors deserve credit for doing what they are trained to do, not to mention that most doctors are dedicated to taking care of all American citizens and may be willing to take a pay cut to help insure Americans so they can continue to do the job the

The perspective I have about the recent efforts to help the uninsured in the U.S is it has come a long way towards positive change since the 1950’s till now. The Patient Protection and Affordable Care Act of 2010 (ACA)/ Obama Care, has provided the uninsured with medical insurance and access to reduce the risk of health issue through prevention. The law expands eligibility for public insurance, use of federal subsidies to make private coverage more affordable, new rules on insurers and employers to make coverage more accessible, and require all Americans to have some form of health insurance (Knickman and Kovner, 2015). The outcome of this enactment; 5 million Americans enrolled in state Medicaid programs, 8 million received public subsidies,

Granting, many Americans have federally imposed health insurance due the Affordable health care act a vast majority are not in possession of all the facts pertaining to the policy stipulations related to how those services are to be dispensed. Subsequently, most are often genuinely, bewildered and confused after multiple attempts to decipher the complexities behind or some might say in front of; just how inaccessible their assured healthcare services have come to

When it comes to the healthcare system, the root of it can be tracked back to the nineteenth century. At that time, compared to a private company, most of the service providers were hospitals, which provide a people free-charge service and inexpensive medicine because they were not profit-oriented institutions. To some degree, the expenditure of a household on healthcare at that time is lower than the one of a modern household. Hospitals played an important role in offering the disadvantaged healthcare resources and fundamental treatment. As the number of patients increased, they still needed working capital to support their expenditure. Most sources of money were from

US health care expenditures have been rising quickly over the past few years; it has risen more than the national financial system. Nonetheless a number of citizens in the US still lack appropriate health care. If the truth be told, health care expenditures are going to continue to increase; in addition numerous individuals will possibly have to make difficult choices pertaining to their health care. Our health system has grave problems that require reform, through reforming, there is optimism that there will be an increase in affordable health care and high-quality of care for America. Medicaid, Medicare and private sector insurances are all going through trials and tribulations because of