Essay about The Impact of Income on Healthcare Options

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

Widening economic inequality in the United States is being accompanied by increasing health care disparity. While the health care system seeks to provide health care as a human right, it fails to do so often worsening the disparities (Dickman, Himmelstein, & Woolhandler, 2017). While health care today has made major strides, there are many people who are still suffering from health care system injustices. Of the people who are still uninsured a majority of them are in the middle-working class or those living in poverty. Poor Americans have less access to health care than wealthy Americans. The life expectancy gap between the rich and poor continues to widen. Health care in poor communities is too often neglected. This issue has been a trend in the United States for many years. In Abraham’s book, Mama might be better off dead these very same inequalities are evident for the Banes family. Because of these inequalities, preventive illness becomes life threatening causing care to then become extensive and even more expensive.

In today’s society, there is still a great struggle with health care disparities and many lives are affected by the lack of this fundamental program in our society. There are millions of people who die each year because they are unable to afford quality healthcare. The debate still continues about healthcare inequalities, what causes this disparity and who are affected by it. Health care is more of a necessity rather than a luxury and even though skeptics may argue to the latter, it only underlines the importance of the need for the wellbeing and care of individuals. There are several factors that could contribute to the lack of health care in the United States which ranges from but not limited to race, gender, socio- economic status, and lack of insurance coverage. The truth is there is a great disproportion between who can really afford quality healthcare as appose to individuals who have it. One would imagine that an employed individual would easily afford quality healthcare but we could be no further from the truth, since one’s economic status is an essential determinant to its affordability.

Despite the improvements made toward health reform, there are still problems that need to be address. There are still cost related access problems among insured adults, particularly among people with lower incomes. According to the Commonwealth Fund Biennial Health Insurance Survey of 2014, 33 percent of adults who had been insured all year with incomes under 200 percent of poverty and 25 percent with incomes above that level said they did not get needed care because of costs in the past 12 months (Collins et al., 2015). The high deductibles and cost sharing in both employer and individually purchased private plans lead many adults to delay or avoid needed care (Collins et al., 2015). Also there is still a large share of adults who were insured all year but still struggle to pay their medical bills. People with lower incomes reported these problems at the highest rates. One third (34%) of adults with incomes under 200 percent of poverty who were insured all year

A key factor affecting access to care is economic inequality. Many racial/ethnic groups are considered to be of low socioeconomic status in the United States. When one has to worry about food and housing, health is not considered a priority. Lack of health insurance is a huge problem that many people face. The inequalities in income means less money can be put towards doctor’s visits and medications. Research done by Shi, LeBrun, Zhu, and Tsai (2011) shows

We live in the United States, “The Land of the Brave and Home of the Free.” However, the United States is the only developed country that does not provide guaranteed insurance coverage for all citizens and they’re thereby doing not ensure access to health services (Government hub, n.d.). Meaning other countries offer health coverage without cost. This always disappointed me because America is the richest, and most unequal, country (Sherman, 2015). So why wouldn’t America provide American’s health care insurance (McAlearney, 2003, p. 20). Since the United States does not provide universal health care coverage, we will discuss briefly forms of insurance offered to Americans, the categories of insurance and how individuals qualify for coverage and Affordable Healthcare Act (Obama Care).

Health and social class have always been closely linked. Recent research has shown that the gap between social classes is not only widening in terms of annual income but also in terms of health. Social class affects a person's physical health, longevity, and ability and access to appropriate nutrition and medical care. People who have received more education and have a higher income are less likely to have and die of chronic diseases, such as heart disease, strokes, diabetes, and cancer. While individuals of lower social-economic class tend to experience more health issues, they have less access to healthcare of appropriate quality compared to individuals of higher social-economic classes. This is because there are higher health risk factors

Healthcare in the United States is an interstate system that accounts for 15% of the U.S. GDP and $5,635 per capita. Nearly 45 million – or 1 in 5 – Americans are uninsured. With insurance premiums rising yearly, the number of uninsured Americans projects to continue to climb. While new technologies will increase the efficiency of healthcare, the costs of these new tests and treatments will likely outweigh the savings. As the cost of healthcare rises, many employers will be forced to eliminate health insurance benefits for their employees, further increasing the number of uninsured Americans.

The cost of healthcare in America is out of control. As the medical costs continue to rise, many Americans, especially those considered low income, have decided to just live uninsured. Low income families are considered individuals, who make less than $15,521 a year and families of 4 members, who make $31,721 or less in a year (2). As of 2013, 10.8 million were listened as low income households in America, which is a 18.6% rise from the previous survey (2). Basically, these families can not afford to pay for private medical insurance. As a matter of fact, there are 70 million people covered under the federal Medicare and

Health in low-income countries varies greatly from health in high-income countries. This is due to many social aspects including cultural patterns, cultural standards, society’s technology, and social inequality (Macionis, 486). In this particular study, health insurance coverage in the United States greatly differs among each state. In Table A-1, titled Population Without Health Insurance Coverage by State: 2013 to 2015 (which we received during class), the percentage of uninsured people in each state greatly differs. In 2015, the states with the highest percentage of residents without health insurance coverage (in no particular order) included Alaska, Florida, Georgia, Oklahoma, and Texas. The states with the lowest percentage of

Within several of these countries, the levels of income and wealth inequality have not been experienced since prior to the first world war (Piketty, 2014). Awareness of widening income and wealth inequality has been increasing and has been considered to be a major problem by some – as evident by the 2016 presidential primary election and caucuses and also increasing academic work on the topic. Naturally, this increasing inequality allows a fairly small population to accumulate more economic capital, leaving less for the rest of the population. The rate of income and wealth inequality has not shown any signs of reversing or even leveling off (Piketty, 2014; Skopek, Buchholz, & Blossfeld, 2014). Acknowledging both disparities in health by SES and growing economic inequality in developed countries begs the question – does growing income and wealth inequality mean growing health inequality too? This essay seeks to answer this question on the assumption that the US would reveal greater levels of health disparities compared to other developed countries, which would be reflective of the greater levels of income and wealth inequality. Finding a close association between economic inequality and health disparities may unfold an initial approach to improve national

Being uninsured is a serious problem it causes poorer health and a wide range of financial hardships. (sentence)..The United States is the wealthiest nation in the world, but the only industrialized nation without a national health care policy….(sentence)…. In the article, “America Should Model Its Health Care System After Those of Other Developed Nations”, Adam Summers describes how although the U.S. may have the best available treatment in the world, it is ranked thirty-seven overall in health system performance due to its lack of availability to the poor and middle class families.

Health insurance is a result of socioeconomic status that must be looked at by health care providers. Low socioeconomic status individuals usually cannot afford privatized health care insurance. If they can afford health insurance, it is commonly public insurance such as; Medicare and Medicaid. However, public health insurance is rarely accepted by physicians because privatized health insurance is more reliable. This means that less educated individuals have less access to health care based on if they carry insurance, or the type of health insurance they carry. Similarly, poorer people must travel farther than wealthier folks to get medical attention. Low SES individuals are less likely to get care until serious conditions arise because it is not of adequate access or affordability. However, low socioeconomic status areas that do have near by clinics and accept public health insurance are overcrowded. This is a major risk for the health care field because the spread of disease in an overcrowded clinic lowers the health of society. Socioeconomic status includes education levels, occupational status, and social class which all attribute to the effects of poverty, the overall health of society, health care accessibility, and health insurance affordability.

The United States is world renowned for having the best health care if not the most accessible. Citizens have at their disposal a plethora of hospitals, physicians, and therapists to improve their well-being. Statistical data was taken back in 2010 under the Central Texas Region and studied health care coverage and income in regards to the community. The data displayed in the surveys heavily suggest that income/ health in general have a high correlation. The issue that arose with the given data imply that those who are on the lower end of the income spectrum subsequently have no health care coverage and poorer health than those with higher income. In any case with high correlation there are a number of factors influencing the statistical evidence, and in this case sociological barriers are present in regards of inequality and health care.

Access to preventive health care should not be definable as one of life’s luxuries, yet that is what is has come to be for the approximately “50 million Americans” who have no health insurance (Turka & Caplan, 2010). Clogged emergency rooms and “preventable deaths” are just two of the consequences associated with the lack of health insurance that would provide access to preventive care (Turka & Caplan, 2010). We as a nation are depriving our citizens of one of our most basic needs—being healthy.