Essay about The Health Insurance Crisis in America

2565 Words11 Pages
Health insurance comes as second nature to many of us. We grab that blue and white card and put it in our wallet and forget about it until we are sick or injured. When this happens, there it is, cushioning our fall like the extra padding it provided to cushion our wallets. This is not the case with everyone, however. Many Americans have no cushion to fall back on, no blue and white card to show the emergency room when they have an unexpected health concern. No HMO with a convenient co-pay amount when their son or daughter develops an ear infection. Medicine and other health services are expensive without these important conveniences that many people lack. These people have been “falling through the cracks” in U.S. health care system…show more content…
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). Who are these people without health insurance? “Everyone I know is insured”. Of the twelve people randomly quick-polled in a Hartwick College dormitory, only two answered that they knew someone who was uninsured. Granted, they are “rich” college students. Many of them have never been exposed to people who wouldn’t have the money to pay for insurance, right? Wrong. The National Rural Health Association reports that “nearly eight in ten uninsured Americans have family incomes above the poverty level” (NRHA 2). 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
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