The Health Insurance Project : The Healthcare Project

Simultaneously, health and healthcare policy plays a tremendous role in the quality of life of every American. Likewise, by the government constantly interceding, health and healthcare is significantly influenced by the political climate and undertakings of administration; therefore creating a conflictual split between republicans and democrats. Health care is regarded as a product rather than a human right shaped by policymaking. Policies establish healthcare service stipulations, which are rooted in local, state, and federal statutes combined with landmark court decisions. Not only does policy focus on healthcare services; but, it also places a substantial emphasis on cost-efficiency and equality.

The united states have a unique health care system of delivery that pursues to target some specific areas. The health reform, Patient Protection and Affordable Care Act also called the Obama care (2010), which holds the promise of universal health coverage under government mandates. With a predominant role that is play from the government the Health Care Reform is said to be, one of the most important pieces of legislation today. Universal health care is the pourpose that all citizens should have access to affordable, high-quality medical care and acces to primary care. Health care reform will provide every American with the ability to obtain, health insurance regardless of race, ethnicity, or income. With universal health care, everyone’s

Long time ago, there was no need for health insurance in America, as doctors had many clients because their services were not so expensive and in some cases in rural areas, people could pay by giving other items. Doctors were not as knowledgeable as they are nowadays to care for the sick, therefore this didn't have much effect then on the patients, as they were treated for the basic illnesses.

The judiciary, executive, legislature, at both state and federal levels, are the three branches of government primarily responsible for the formulation of healthcare policies in the United States. There are other non-governmental organizations such as professional and ethics bodies that provide rules and guidelines in some health care policies.

In this country there are numerous concerns about health care economics. Several factors contribute to the increase of health care costs. One area of concern is the impact of managed care on health care finances. Managed care has been around since the early 1970s. The definition of managed care is a set of contractual and management methods implemented to manage the financing and delivery of health care services. Initial implementation of managed care was for health care cost saving (Getzen & Moore, 2007, p. 203, para. 1). Though Managed care initially addressed several health care finance issues, there are still problems with the current

The issue of healthcare coverage under the federal health reform has been politically debated by many Americans, including the current Democratic presidential candidates Hillary Clinton and Bernie Sanders. The healthcare reform enacted in 2010 under President Obama’s regime intended to support the ongoing healthcare system as a building block to enhance more access to health insurance coverage for millions of uninsured Americans; yet the government’s tireless effort to ensure all individuals are covered remains a major issue across the country.

“But insurers in many counties are offering such a dizzying array of health insurance plans with so many subtle differences that consumers have struggled to determine which plan is best for them” (Pear, 2015). One of the attractive features of affordable coverage is the low monthly premium. With these attractive numbers, some people might even choose to give up their employer coverage to save the extra money. Naturally, consumers would most likely be fond with the low premiums rather than the quality of the plan. However, low premium is only worth the price that is paid for. The high deductibles lie within these low cost plans could cost the patients a fortune when they receiving the care. As this happen, the Affordable Care Act is no longer serve its purpose in helping to increase the quality and affordability of health insurance as well as reducing the cost of healthcare. Instead, the Obama Care only succeeds in reducing uninsured rate of the population. The lack of understanding about the healthcare coverage could become financially burden to the consumers’ family if they choose to use the plan.

House Resolution (H.R.) 370 was introduced to Congress on January 9th, 2017 by Republican Rep. Bill Flores of Waco, Texas. The bill itself is quite simple, totaling two pages in length. The main purpose of the bill is repeal the Patient Protection and Affordable Care Act of 2010 (ACA), completely restoring or reviving the laws it amended as if it had never existed. Unlike similar repeals to the ACA, this bill does not have a replacement plan or any sort of alternate plan. It simply takes the ACA away and restores the law to their pre-ACA state. This is concerning for many reasons, but it may also have some benefits as well. The future of America’s health care is ever changing and it is more important

The health care, policy-making process is composed of three major stages; the formulation stage, legislative stage, and the implementation stage. The policy process refers to the specific decisions and events that are required for a policy to be proposed, considered, and finally either implemented and/or set aside. It is an interactive process with multiple points of access providing opportunities to influence the multiple decision makers involved at each stage (Abood, 2007). Each stage presents a unique set of events for a policy to be proposed, considered, and either implemented or rejected. In the formulation stage there is

One financial problem the healthcare industry is facing right now is healthcare collections. Healthcare collections have always been a financial problem to healthcare industries because of nonpayment from the uninsured and individuals who are uneducated about their health plans. Nonpayment to healthcare industries means a loss of revenue. A loss of revenue means that health care industries may run the risk of exhausting their financial resources and become unstable. This financial problem is very typical in the healthcare industry.

Health care is our nation’s greatest strength and most serious challenge. The organizing, financing, and delivery of health care in the United States is affected by a broad range of forces such as public, private, national, as well as local (Shi & Singh, 2015). The main theme of the Obama campaign of 2008, was to change health care provisions that were preventing American’s from accessing adequate health care. In March 21010, the Patient Protection and Affordable Care Act (PPACA) was passed by the U.S. congress and signed into law by President Obama, aimed at creating significant changes that impact every health care organization (Shi & Singh, 2015). The PPACA was enacted with the goal of increasing the quality and affordability of health insurance and this goal is achieved by increasing the Medicaid coverage for low income, uninsured-adults under 65 years of age, with income up to 138% of the federal poverty level (Ayanian, 2013). Moreover, the Medicaid expansion demands for the full practice of advanced practice nurses, with the increase in the number of insured population and this will provide more autonomy in practice for advanced practice nurses. This paper discusses in detail about the PPACA, and one of its key components “Medicaid expansion policy’.

Today’s health care system is very different from how it used to be. There have been many changes that have taken place which represent the major shifts involved in moving from a plan which was based mainly on what the patient wanted, to a managed care system. The American health care system has evolved immensely over the past years and it continues to evolve to this day. As health care costs continue to rise, as treatments become even more costly, and as the population continues to age, it is essential to understand how health care is different from in the past and how changes in the future will impact families across the nation. By addressing past modifications, awareness is brought upon individuals and families regarding the progression of the current health care system.

It is important to begin with the fact that the United States has no formal healthcare system. There are five subsystems: private employer provided insurance, Medicaid for low or no income individuals, Veteran’s hospitals serve military veterans, workers compensation serves individuals that have on-the-job injuries and services for active military and dependents. There is also the Medicare system that serves individuals over the age of 65 (Williams & Torrens, 2008). Even with all these subsystems, there are still many individuals without health insurance. It is also important to realize that having health insurance coverage and having access to healthcare are two entirely different issues. An individual can have insurance but still not have access to healthcare. Of course the goal in the United States is to provide adequate healthcare access to everyone (Beedasy, 2010). This is not always possible due to different demographics such as age, socioeconomic, and other issues. I have health insurance but with the deductible extremely high many times I cannot afford to go to the doctor. For individuals that are low income, this issue is a problem. There is a gap between income low enough to qualify

Health care coverage in the United States is a big business with a relatively recent history. For a company like Castor insurance, providing health care coverage is just as much of a business enterprise as any venture undertaken by a modern organization. As with any business, the central goal idea is to ensure ongoing profitability and viability in an every changing and increasingly competitive environment. Therefore, before offering any company insurance coverage, there are, important economic factors that need to be considered such as which health care package best covers the needs of both the insured and the insurer. To determine the best decision as to which insurance coverage to offer it is important to understand the history and

Currently, the issue of health insurance has been a bone of contention for the public regarding whether the United States government should provide this health plan or not. People often possess different perspectives and refer to pros and cons on both sides of the spectrum. While some believes a universal healthcare system will set a foundation for a lower quality of service, increasing governmental finance deficit, and higher taxes, others do not hold the same thought. A universal healthcare system brings enormous advantages rather than disadvantages, such as all-inclusive population coverage, convenient accessibility, low time cost, and affordable medical cost, all of which not only provide minimum insurance to the disadvantaged but also improve the efficiency of medical resources distribution.