Do People Need Health Insurance Necessary?

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 health care system must change to improve our nation’s health and takes strong steps to address the unsustainable growth of health care costs in America. We still have a long way to go before our health system become effective. We still have population that do not have insurance, have difficulties accessing their health care, or their needs are not met within the healthcare system. It is an investment in prevention and wellness and increasing access to primary care physician.

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.

The U.S. health care system faces challenges that indicate that the people urgently need to be reform. Attention has rightly focused on the approximately 46 million Americans who are uninsured, and on the many insured Americans who face rapid increases in premiums and out-of-pocket costs. As Congress and the Obama administration consider ways to invest new funds to reduce the number of Americans without insurance coverage, we must simultaneously address shortfalls in the quality and efficiency of care that lead to higher costs and to poor health outcomes. To do otherwise casts doubt on the feasibility and sustainability of coverage expansions and also ensures that our current health care system will continue to have large gaps even for those with access to insurance coverage.

The biggest issue in America is not just hunger, education, and crime- but health care. Perhaps the cause of these other issues, health care is expensive and hard to access. The high cost is tolerated in the belief that more expensive health care leads to better care. This is not true, as studies show that 20% to 30% of patients are issued the wrong treatment or medicine. These medical errors have caused thousands of lives to be lost- at a higher cost. As more Americans are aware of our low ranking in worldwide health care- Japan, Sweden, and Canada making the top three-the need for a nationwide health care reform is much debated. Even with other great countries to mirror we are still hesitant in reforming health care to make it accessible to every American citizen. Although the United States guarantees it's citizens access to fire and police services, protection by military, national postal service, and education as well as many other free federal- and state-funded services they have yet to commit to ensuring them health care coverage.

Healthcare and healthcare reform are hot topics of debate in today 's society. As the population grows and life expectancy increases, the nation faces many challenges in providing healthcare benefits to the people.

Every individual in the world deserves to enjoy health and wellness. Maintaining or achieving proper health needs enables individuals to be productive at work and leisure. Traditionally, many people have had barriers obtaining adequate healthcare due to economic constraints or personal inconveniences. Despite impressive technological advances in medicine, the challenge of delivering quality healthcare to the Americans continues to be debated amongst the nation’s political and healthcare leaders. The aging baby-boomers and the increased number of uninsured people add to the equation of population growth which results in limited access to primary healthcare for the entire public. On the

Our visits to the emergency room, annual physicals, and checkups were often put on hold because of insurance issues, which lead to my family having negative health outcomes in the long run.

Our healthcare system needs major restructuring. Major improvements needs to begin with "all health care organizations, professional groups, and private and public purchasers should adopt as their explicit purpose to continually reduce the burden of illness, injury, and disability, and to improve the health and functioning of the people of the United States", (Crossing the ……, 2001).

This year being an election year means that the American people are confronted with many issues and disparities that plague our nation. One of these hot button topics is that of healthcare. The United States is the only developed nation without a universal healthcare system, but spends the most for health services. With so many Americans lacking the adequate care needed or facing bankruptcy due to piling medical bills, one must look at the health disparities that are causing this super power nation to inadequately serve its citizens.

It is no secret that the healthcare system currently in place in the United States is less than stellar. Prices are high and benefits are low, and this obviously makes people extremely unhappy. While everyone has access to healthcare, it doesn’t always mean that they can afford it. And what they can afford sometimes dictates the care that they will receive. Even some with health insurance are finding themselves financially strapped because they are paying sky-high prices for insurance premiums and have deductibles that they’ll never be able to meet. But, they have insurance, and that is all that seems to matter in the eyes of the United States’ government. Healthcare in the United States needs to change, and it needs to do so quickly because

The insurance system is an important topic for all providers, employees and individuals of this country to understand. Insurance allows patients to be seen by healthcare providers without having to pay large medical bills. It is the ability for physicians to treat patients and then able to get reimbursed. Health insurance is a privilege in our country because not only does it save families time from stressing about money, but also it allows each individual the ability to receive good quality care. In fact, there are two forms of health insurance, social and private. Social health insurance is a government-owned program that benefits the citizens of our country. There are three types of social insurance, Medicare that covers elderly people, Medicaid that covers poor people and

Changes in access to health care across different populations are the chief reason for current disparities in health care provision. These changes occur for several reasons, and some of the main factors that contribute to the problem in the United States are: Lack of health insurance – Several racial, ethnic, socioeconomic and other minority groups lack adequate health insurance coverage in comparison with people who can afford healthcare insurance. The majority of these individuals are likely to put off health care or go without the necessary healthcare and medication that is needed. Lack of financial resources – Lack of accessibility to funding is a barrier to health care for a lot of people living in the United States

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

There are several factors that contribute to the expensive healthcare costs in America, including – but not limited to – acts of defensive medicine, cost shifting, and lack of consumer awareness. As a healthcare professional, the threat of a malpractice suit is a looming fear. As these suits can be expensive, many providers will run unnecessary tests – whose costs can run high – to ensure that their inclination of a diagnosis is not incorrect. Unnecessary tests can also be run as patients are often removed from the price tag of their healthcare costs. As many with insurance are only familiar with their deductible or co-pay, patients may ask for additional tests to be run without being aware of the costs of insurance; increasing the costs for