Someone without health coverage are less likely to receive preventative care and therefore more likely to become ill which increases medical costs, .
It is estimated there are between 20,000 and 45,000 deaths a year due to lack of health insurance. “The uninsured have a higher risk of death when compared to the privately insured…”, Andrew Wilper, M.D. Isn’t that sad? There shouldn’t be long hours of waiting before a patient can be treated just because he or she is uninsured. If it is an urgent matter, then we all should get equal treatment, don’t you
Most of the people who are uninsured are the working poor, which the overall costs of medical care can hurt them. By the means of doing their best, these people just can’t afford the insurance. Health care has become increasingly unaffordable for businesses and individuals. (Reese) Premiums grow several
So why don’t these people get insurance? Well, as is so often quoted, “money makes the world go round.” When it comes to health insurance however, it is not the world, but only America that seems to have a problem with providing health care for a reasonable price to its citizens. 55 percent of uninsured people answered that the reason they are without the safety of insurance is the reason everyone expects--they cannot afford it (NRHA 1).
In an article on the Uninsured it states that “Lack of coverage increases the unpredictability of medical expenses and the potential for financial catastrophe, including bankruptcy” (Content.healthaffairs.org). The stress that is added when trying to plan financially can become overwhelming, “even for the majority of Americans who have coverage, maintaining it is not a sure thing, and the prospect of losing it can cause anxiety
Living in the United States, there is one essential thing you need to have, which is health insurance. Health insurance is a type of insurance that can covers cost of medical and surgical expenses when you need them. Without health insurance, the cost of one single surgery would be a enormous number. But in the United States, there are about 46 million americans are uninsured. To them, the cost of health insurance is too high. In America, the average cost of health insurance per month is about $328 and the minimum wage per hour in here is $7.25(where cite from?). From here, we can conclude that it is too expensive for those people to get sick. So, is the health insurance cost unjustifiably high? The answer is the highly developed technology, waste of health care budget and the free competitor in the health insurance market, caused health insurance’s price to remain so high.
it. Not everyone has access to health insurance and there are those that are underinsured. “ In
The cost of health insurance has changed drastically over the years as it has become more expensive. Depending on personal characteristic, the cost of health insurance may vary. For instance, as individuals grow older the more expensive it becomes. In this case, health insurance is more costly because “older individuals require more health care” therefore “the cost of providing health care is rising” (Madura &Atlantic, 2012). Not only does this affect the high cost of health insurance, but the number of individuals uninsured. As stated by Madura and Atlantic (2012), “about one in every five workers is uninsured” and has increased since then because health insurance has become unaffordable. As a result, individuals tend to seek health care elsewhere as they can no longer
Some of the reasons some of the individuals may not want to buy health insurance the deductibles and premiums are very high and you pay way to much money for it. You also have to qualify for private health insurance.
At the current moment, doctors’ offices can refuse care to any uninsured person, whereas an emergency room cannot. The hospital is required by federal law to adequately screen and stabilize a patient. This is where the uninsured tend to show up for care where they tend to seek emergency care for urgent medical conditions that might not have been there due to lack of insurance. This would include the screening tests such as a colonoscopy or a mammogram for preventative care. This can delay the diagnosis of a serious complication that might have easily been taken care of through preventative services. The uninsured and underinsured are generally not as healthy as the insured counterparts. There is also lack of follow up care and medication to make sure the disease is under control. This group of
Even with some especial programs like ACA, a lot of people can’t afford for coverage due to extreme rate of poverty.”Cost still poses a major barrier to coverage for the uninsured. In 2015, 46% of uninsured adults said that the primary reason they were uninsured was because it was too expensive, making it the most common reason cited for being uninsured”(Key
Fear about health care cost is a major barrier to health care for AYA, specifically for lower-income and uninsured AYA. AYA who do have health insurance often are concerned about their confidentiality. Whether AYA are insured or not, cost may be a major factor in whether they seek medical care. It is important that clinics offer free or low-cost services whenever possible to ensure that AYA get the services they need (Advocates for Youth, 2008).
Care for the uninsured: Caring for the uninsured causes immense financial burden on the healthcare organization as well as ethical dilemmas for the organizations and the healthcare providers.
Financial burdens greatly limit the system’s accessibility; however, many in the U.S. are unable to fully utilize either option. Census estimates from 1999 indicate that 43 million Americans live without health insurance even though 75 percent of them have a full-time job or live in a household with at least one member working full-time (Mueller, , 5) In addition to the totally uninsured, census estimates also reveal that approximately 42 million other people in the U.S. are underinsured. This means that they have some insurance, but are still unable to afford all of their needed prescriptions, tests, visits to physicians, or hospital
With the current healthcare system in the United States there are many people who do not have health insurance due to cost.