The Inured: A Case Study

The Healthcare Project, is used to help students get an opportunity to dig into the health insurance system and familiarize ourselves with facts to help better protect ourselves and families from accidents and illness that may come unnoticed. This project will consist of a cost/benefit analysis of two sets of data. The first being that I am twenty two years old and I am a fully functioning and healthy adult with an annual income of 21,000 dollars. Second being that I am twenty two years old and I have type one diabetes with an annual income of 21,000 dollars. These two differences in health could cause a change in health care choices because of the premiums, deductibles, copays, coinsurances and out of pocket cost.

I agree that healthcare insurance is, in fact, an inelastic product. As you mentioned, people still choose not to be covered even though there is a cost of not having any insurance and it goes up each year and he or she is penalized. The theory you have for the different costs of over-the-counter medication is exactly how I see it. Medication costs different prices because of either the brand or mainly where it is sold. People seem to think if they buy the name brand that it is more effective than the generic and they are willing to pay the cost of it.

In America, the number of uninsured rises every year and no solution to the problem has

As a growing number of Americans find themselves without health insurance, it is demanded that the United States explore innovative policies aimed at extending coverage. The high cost of expanding coverage raises many questions about how best to improve access while preserving individual choice and maintaining quality of care. Differing viewpoints among policymakers, insurers, doctors, hospital administrators, employers, public health advocates, and health policy researchers provide a complete picture of the current and desired state of American healthcare.

Vulnerable populations is a term that creates an image of distinct and narrow-minded minority though the vulnerability of every individual to illness, disease, and injury has made health insurance necessary and probable for a huge portion of the American population. Vulnerable populations in the United States includes parents and children of immigrants, race/ethnic minorities, the disabled poor, the elderly, foster children, families ineligible for welfare, prison inmates and former offenders, children with special care needs, and residents of rural areas. However, the uninsured population has developed to become one of the vulnerable populations in the United States because of the risks and dangers associated with the lack of health insurance. As a result of the increased of the number of the uninsured, they have a huge financial impact on the vulnerable population.

The insureds, who live in a separate house on the same property, refute all of the plaintiffs’ allegations with the exception of their concession that a portion of the siding is missing from one of the exterior walls. They explained that during the renovation of the house, which was completed approximately one year before the plaintiffs took possession, they had a window removed from

Health service system as defined by "Roemer" in the text is the pooling of resources, organizations, financing, and management that aggregates to the delivery of health services to the needs of a population (Barton, 2010, p. 3).

Doctors deserve credit for doing what they are trained to do, not to mention that most doctors are dedicated to taking care of all American citizens and may be willing to take a pay cut to help insure Americans so they can continue to do the job the

In a study entitled " Who are the Remaining Uninsured and Why Haven't They Signed Up for Coverage?" there were factors identified that attributes to higher rates of uninsured groups. The factors are as follows: the ACA's exclusion of undocumented immigrants from the coverage expansion; the lack of Medicaid expansion in 19 states; less awareness of marketplaces in some demographic groups; concerns about affordability and eligibility; difficulty selecting plans during the enrollment process, and lack of assistance in selecting

In the United States, the number of uninsured continue to increase everyday with no solution. "As of today the number of uninsured American remained at 10.9 % in the fourth quarter of 2016"(Holahan, 2017). In today economy where unemployment is at an all time high, millions of peoples are without insurance due to unemployment. There are also a lot of uninsured American that are employed, that can't afford insurance.

In America, we not only have the problem of the non-insured but the under insured which causes just about as much problem as the underinsured. Each group has contributed to the vast growing cost of healthcare. Over the last decade or two, the amount of uninsured has risen due to the job market in the economy and the fact that most insurances are tied to employment, which is also a problem as the unemployment rate rises. The purpose of this paper is to explore this issue.

Under a free-market system, health care is characterized in three ways – cost, access, and quality. In the United States, a mixed economic system that favors a free market system, health care is characterized as high cost, low access, and high quality. As such, these dichotomies pose an imperfect, inefficient scenario – the high cost and low access of health care lead people to not purchase insurance, while the high quality of health care drives people to still receive health care services. As a result, millions of Americans are currently uninsured, yet still utilizing various health care services, and are unable to pay their medical bills. This poses yet another conundrum - how can uninsured individuals receive medical care without paying for it? More importantly, who ends up paying for these services? Having recognized this gap between receiving medical care and paying for medical care,

This brief essay studied the uninsured and the health care disparities they face. Essential Affordable Care Act provisions and their effects were studied. Critical factors affecting the health care of the uninsured were identified; these included race, ethnicity, income, socioeconomic status, culture, language and income. Several research studies concluded that while access to health care has improved, the quality of this care has not improved for the uninsured. Although the number of uninsured has been reduced dramatically since 2010, insurance costs continue to increase significantly. Failure of states to expand Medicaid benefits has limited uninsured patients’ health care options. Free health clinics often handle health care needs of

The Medicaid program is a federal health insurance program for the under-privileged and incapacitated. The plan is managed by states within comprehensive limits instituted by the federal government. Together the federal and state governments finance the program, with the federal share ranging from 50 percent to 74 percent. Now Medicaid currently makes up 7 percent of the federal budget and 23.7 percent of all state expenses. Approximately sixty million people are enrolled in the Medicaid program and 400 million is spent annually.

The insurance policy issued to hunt did cover fire damage, as most builders risk policies due; however, it also covered almost every other kind of damage that a construction company might encounter as well, and Hunts damages were mostly caused due to water damage. In order for Allianz to call the builders risk policy a fire insurance policy, and subject the policy to have the Plaintiff seek indemnification that was not caused by fire or means covered in a “fire insurance policy”, there are several ramifications involved.