Persuasive Essay On Health Insurance

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.

Millions of Americans cannot afford healthcare services, and therefore have no financial defense in battling illnesses. Even with the affordable care act in place, there is a constant struggle for many who cannot afford the premiums that come with these insurance policies. "One of the reasons why we have uninsurance in the United States is that it has become increasingly unaffordable to purchase insurance because the cost of care and the premiums for care have gone up at multiples of the rates of increase of wages and of the cost-of-living in the United States" (Blumenthal, 2014)

Being insured can relieve a lot of stress off a person. The cost of healthcare is an

The high deductibles and premiums of health insurance can cause people specifically the uninsured to not see the value in having insurance (McMorrow & Polsky, 2016). Purchasing health insurance could end up creating financial burdens for individuals or families (McMorrow & Polsky, 2016), causing them to remain uninsured. Another layer of financial obstacles often are older adults and people in poorer health. They tend to have the greatest need for health services yielding with the greatest cost. Provisions within the ACA attempted to meet the needs for this population.

Our nation’s current health care expenditures have continuously risen over the past years. This issue has escalated because many Americans do not have health care coverage.

My husband and were almost killed in a car accident as passengers. Our friend's dad was driving, and his son was in front passenger seat, as we were in the back passenger seats. His son, our friend, was killed in the accident. The accident happened late 2013.

Eriksson, K. (Ed.). (2012, November 1). The Impact of Primary Care: A Focused Review. Retrieved February 1, 2015, from http://www.hindawi.com/journals/scientifica/2012/432892/

Introduction: The full form of CDHP is consumer-directed health plan.. There are a few unique sorts of CDHPs—some that can be matched with an individual plan and some that must be combined with a group plan means employer of the company. These are medical saving plans which could give more care on our health. It let us make decisions about how we could get more dollars on our health based on some conditions and factors.

To ensure medical insurance the cost can be expensive to receive quality care for a family of individual medical care. Taking trips to the hospital can leave you an very expensive bill and make you lose a big bulk of money throughout the years. Many Americans have been provided medicare for many citizens to help cover any medical bills, but you have to meet any qualifications. Thongs that are needed in order to qualify there are certain levels of poverty and make a certain amount of income to obtain and help. In 201 President Barack Obama introduced a new policy to the United States that was introduced as Obama Care.

Choosing health insurance can be a difficult, but it is important to get the right health plan to cover your required medical needs. Talking with your health care physician can help you choose the appropriate plan. It is important to understanding the different formularies to cover medication for any chronic illness.

When searching for the right health care program, one must look for quality of services and reasonable out-of-pocket costs. Quality and cost are the first points to consider. Good quality of health care is what keeps an individual healthy and content with their plans. The plan must have options that help a member to receive fast service, it must not take months to see a physician. Quality of care also demands good communication with the members, organization, and all medical professionals involved with the plan. Effective communication between patients and physician are key for quality. In addition, quality by a plan or program must be defined as caring. The plan must promote kindness and consideration for its members. This means the plan must provide preventive and wellness services. Such services protect the future of a member’s over-all health. These acts towards health care confirm a plans consideration for its member’s general health. When dealing with cost for coverage, one must find an affordable healthcare plan. Lower costs for coverage encourages members to seek constant care for any medical issues. This helps associates to manage good healthy life styles. Cost of care involves monthly charges, monthly charges must be manageable. Premiums should not damage ones co-payments or out-of-pocket costs. Many plans provide low monthly charges with higher out-of-pocket cost for the member. This should not always be the case, if a

Health care is an essential need of an American. For the best type of health care, it is best that an individual contains health insurance. Encyclopedia Britannica states, “Health Insurance, National, is government provided insurance that pays the health care expenses of all or most of a nation’s citizens. Such programs are usually financed by income or payroll taxes on individuals” (Encyclopedia Britannica ,98). Many individuals in America are not insured however, they still receive some type of free health care from places like the emergency room at the hospital. In addition to the inflation of many Insurance companies, this is causing a rise in the cost of health care specifically for the average family in Miami, Florida, and it is more

There are several easy ways to save on the cost of insurance. Read below for a few

Medical Insurance: Federal law stipulates that you must either have “qualifying health coverage” or pay an expensive penalty when you file your tax return. Aside from this individual mandate, it is wise to purchase medical insurance because you cannot predict your future health. Even if you are healthy now, you might become ill in the future. Many people obtain medical insurance through their workplace, but if you are self-employed or otherwise do not

“The average cost of health insurance in the United States is approximately $411 per month for individual coverage and approximately $1155 per month for family coverage” ("How Much Is Average Health Insurance per Month?”, n.d.). As you can see, monthly premium costs can also become expensive. Premium costs are not the cost associated with health insurance. Healthcare coverage commonly has other annual costs. The most common annual cost is called an annual deductible. It works in the same manner as a deductible for damages to an automobile. Deductibles are paid in addition to the premium cost. You pay the premium cost to keep your insurance coverage, but when you use health care services, you must pay your deductible before your health insurance begins to pay. “The average deductible was $2,086 for a single person and just over $4,000 for a family” (Fuquay, 2013). The costs seem to be piling up, but there is good news: not all health plans have a deductible. On average, if you pay a higher premium, there tends to be little or no deductible. And on the other hand, low premium plans usually have a high deductible. Cost for health insurance coverage can become very expensive when you calculate premium costs and deductibles together.