Coming From A Low-Income Family I Can Personally Agree

It is not just the poverty-stricken population that can’t afford insurance. The cost of U.S. health care and insurance is out of reach even for those who do not live in what we technically classify as “poverty”. By the 2003 Federal Poverty Guidelines, released by the U.S. Department of Health and Human services, poverty

Money plays a huge role in access, therefore it is a vital issue to discuss. Within the current system, lack of money results in lack of health care, which leaves thousands of people without any health care coverage. Between 2001 and 2005, the number of people paying for health insurance increased 30%, however income only raised 3% (Health Care Problems). Adequate income is a necessity and unfortunately that is not present. According to the National Conference of State Legislatures, the average annual premium across the country is $16,000. Currently, the average annual income in the United States is $51,107. Mint Money Management suggests that about 4-6% of one’s total income should be spent on insurance, including life, disability, and health insurance. However, the averages in the United States show that the average person spends about 31% of their income on health insurance, which is not financially beneficial. When this rise in health insurance is not parallel to the inflation of income, innocent people are left without a method to achieve health care. There is a program for those who can’t afford health insurance out of pocket nor have access to it, and that is called Medicaid. Issues still exist with the program. There is only so much funding, which leaves many still uninsured. Additionally, people with Medicaid have difficulty

The absence of low income health care benefits was also a policy affecting the families in the documentary. The health care system has been a historically broken system. People often rely on their employers for affordable health care coverage and companies often don’t offer it, or as we witnessed in the documentary, they cut hours to part time because they don’t want to (or in some cases can’t afford to) shell out the money for employee health insurance. Most people who are working minimum wage jobs, especially part time minimum wage jobs, certainly cannot afford high individual or family health insurance premiums, and hence are not maintaining their health. People earning minimum wage are often living in poverty and there is a direct link between poverty and the uninsured.

In the U.S. “Decreasing the number of uninsured is the number one goal of the Affordable Care Act (ACA), which provides Medicaid coverage to many low-income individuals” (The Kaiser Family Foundation, 2015, Introduction section). Despite the success of the ACA enrollment of millions of people with health insurance, the most at risk and pressing group of our population is the children. This is a group that needs our attention and their health should be the country’s number one priority. This is a vast difference from Canada, where every child has health care coverage for life because of its Universal Health Care. Bodenheimer and Grumbach (2013) noted that over the years, “reformers in the United States argued for the passage of a national health insurance program, government’s guarantee that every person is insured for basic health care”(p.187). But this effort was not only defeated time and time again, but it was constantly shoved under the rug. It was not until a great effort was pushed by President Obama that we started to see some changes in our health care system. Still a lot of work needs to be done, especially for our children. Stronger measures must be implemented to make sure that every child has an opportunity to live a long and healthy life. This is especially geared towards children living in rural areas, “where access to

Widening economic inequality in the United States is being accompanied by increasing health care disparity. While the health care system seeks to provide health care as a human right, it fails to do so often worsening the disparities (Dickman, Himmelstein, & Woolhandler, 2017). While health care today has made major strides, there are many people who are still suffering from health care system injustices. Of the people who are still uninsured a majority of them are in the middle-working class or those living in poverty. Poor Americans have less access to health care than wealthy Americans. The life expectancy gap between the rich and poor continues to widen. Health care in poor communities is too often neglected. This issue has been a trend in the United States for many years. In Abraham’s book, Mama might be better off dead these very same inequalities are evident for the Banes family. Because of these inequalities, preventive illness becomes life threatening causing care to then become extensive and even more expensive.

Early in the panel, Barbara Vinograde talked about how easily a monthly payment for private insurance can cripple a low-income family – as payments can often be large fractions of someone’s budget. Worse yet, Betsy Momany describes an all-to-common situation where those who do have certain government insurances can’t utilize them because care providers won’t take them in due to the lack of profitability when helping them. This occurs in a productivity-based system, where physicians are paid by the insurance companies, which leads them to accepts those insurances that pay them the most per visit. Further effects of this lack of assistance and care are things like obesity and diabetes amongst low-income children. According to Dr. Eleanor Lisa Lavadie-Gomez, major food companies work hard to get children addicted to sugary food, and they profit off of the fact that the poor can only buy processed food because they can’t afford to spend money of fresh food that could go bad. Because these families don’t have better options, they experience negative health consequences, which then go untreated when these children aren’t provided proper

Large populations of Americans are uninsured mainly because of the high cost of insurance. Majority of the uninsured are the low-income working families’. The adults represent a higher percentage of the uninsured than children. Before the law, you could be denied coverage or treatment because you had been sick in the past, be dropped mid-treatment for making a simple mistake on your application, hence, the Affordable Care Act was implemented into law on March 23, 2010 by President Barrack Obama to make sure that every American irrespective of their status will be insured and have full access to proper health care benefits, rights and protection(1). To understand the

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.

All of these potential effects could have repercussions for the quality of the relationship between the parents and it can divide the family.

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 today’s society, there is still a great struggle with health care disparities and many lives are affected by the lack of this fundamental program in our society. There are millions of people who die each year because they are unable to afford quality healthcare. The debate still continues about healthcare inequalities, what causes this disparity and who are affected by it. Health care is more of a necessity rather than a luxury and even though skeptics may argue to the latter, it only underlines the importance of the need for the wellbeing and care of individuals. There are several factors that could contribute to the lack of health care in the United States which ranges from but not limited to race, gender, socio- economic status, and lack of insurance coverage. The truth is there is a great disproportion between who can really afford quality healthcare as appose to individuals who have it. One would imagine that an employed individual would easily afford quality healthcare but we could be no further from the truth, since one’s economic status is an essential determinant to its affordability.

On January 12 of this year the Assistant Secretary for Planning and Evaluation determined that for a single person household, poverty is considered earning $12,140 or less per year (“Poverty Guidelines”). However, the costs of healthcare are at an all-time high. The Centers for Medicare and Medicaid found that in the United States, over three-trillion dollars are spent on health care each year, which equates to over ten-thousand dollars per person each year

Despite the improvements made toward health reform, there are still problems that need to be address. There are still cost related access problems among insured adults, particularly among people with lower incomes. According to the Commonwealth Fund Biennial Health Insurance Survey of 2014, 33 percent of adults who had been insured all year with incomes under 200 percent of poverty and 25 percent with incomes above that level said they did not get needed care because of costs in the past 12 months (Collins et al., 2015). The high deductibles and cost sharing in both employer and individually purchased private plans lead many adults to delay or avoid needed care (Collins et al., 2015). Also there is still a large share of adults who were insured all year but still struggle to pay their medical bills. People with lower incomes reported these problems at the highest rates. One third (34%) of adults with incomes under 200 percent of poverty who were insured all year

Family structure is important for developing stability for a child. Its is also a factor in the way a child will themselves feel about the institution of marriage. Likewise, children from ‘non-normal' households are more likely to develop ‘nonnormative' attitudes towards family life. The divorce rates among the impoverished are higher than those of other classes. Higher than that are the divorce rates of African-Americans of the impoverished class. Rector states that "blacks have higher poverty rates, mainly because blacks have lower marriage rates"(Rector, 27 ).

Obamacare has drastically raised health care costs for individuals and families. One of the reasons Obamacare was established was to reduce family premiums by $2,500 a year (Anderson 1). However, this goal has not been accomplished yet, the typical family premiums are increasing at rapid rates (Anderson 2). From 2015-2016, Family Silver, one of the most popular family insurance plans, had a ten percent increase on their premiums price. Some states even rose by forty percent (Furchtgott-Roth 3). Middle class families cannot keep paying an arm and a leg for health insurance. Health insurance should not be a major issue for Americans, it should be