The Truth Behind the Access to a Health Insurance and Health Care

Despite the countless advanced in technology and the abundance of health care organization popping up all over the place, whether they are free standing clinics, hospitals, urgent cares or etc, many people still lack the ability to receive quality health care. This has become a concern throughout the world, but especially a more vocal concern for residents of the United States in the past few years. In this paper we will discuss the reasons preventing access to quality health care and how we can overcome the many obstacles that stand in our way to provide quality health care to many who lack it today.

Health care reform in the United States is a hot topic and the source of legislation meant to make health care obtainable to Americans. Recent presidential elections have been platforms used to promote health care reform yet no one can agree on what the resolution will be. This paper will discuss ways recent health care reform measures have expanded or inhibited access to health care. This paper will discuss how changes to access may lead to influences in utilization. Concepts of what universal health care may be and how current care reflects or contrasts

Medical costs are getting too expensive. Ever fought with your insurance providers because they refused to pay for care, or struggle to find an “in-network” provider? I know a woman whose name I will change for her privacy and the struggles she is going through are a perfect example of an issue many people face when dealing with insurance; Nancy’s (name changed for privacy) story is a perfect example of how our healthcare system is no longer working for the people. Nancy is this woman whose husband recently passed away. Nancy used to work for county and county workers cannot receive social security; and Nancy is too

Access to care has become a buzz word in the modern healthcare theater. The prevailing thought is that our healthcare system will experience a significant amount strain as an increasing number of individuals seek care with increased number of individuals being covered by third party payers under the affordable care act. Access to care has become a catch-all term used to describe the inability for an individual or population to seek needed healthcare services. Access to care can be divided into 4 major problems within a healthcare setting to include, physical accessibility, affordability, acceptability, and supply and demand. While the current state of our healthcare delivery system in regards to the changes implemented by the affordable care act has attempted to address affordability and acceptability. The affordable care act may have strained the infrastructure of our system in regards to the supply and demand aspects as well as physical accessibility challenges to many populations.

Before the 23rd of March 2010 having health insurance was optional for all Americans. On March 23rd of 2010 Obama’s health care reforms timeline began. The health care reform is also called the Affordable Care Act (ACA) for short. The affordable care act should “provide affordable, quality health care for all Americans and reduce the growth in health care spending…” (Healthcare). Obama’s new health care plan is forcing all Americans to get health insurance and those who don’t get health insurance will be penalized when filing taxes. The health care reform has now taken full effect on the people of the United States, so we have citizens who are excited about the reform, and we also have citizens who are upset about the reform.

In addition to an expansion of who is covered by insurance plans there were also significant changes made to what is covered by insurance plans. Insurance carriers will no deny health care coverage to individuals because of pre-existing conditions (OpenCongress). This is an advantage for individuals that cannot find coverage due to chronic conditions. The new legislation also prohibits a health plan from canceling coverage of a member unless there is evidence of fraud (OpenCongress). Insurance companies will no longer be allowed to dis-enroll members when they have an expensive catastrophic injury or chronic illness. Insurance companies will no longer have lifetime maximum benefits that cap a patient’s coverage. This provision is aimed at protecting the patient from the insurance company, however this well-intentioned provision may prove costly if there

While part of this supposition is incorrect, there is some truth behind the notion. Larger companies can negotiate better rates for their employees because of the volume of coverage, compared to small or medium businesses (Urbel, 2013). Insurance companies are more apt to give a large company lower premiums because of the volume that is needed to cover their employees, as well as the lower actuarial risk of containing costs for serious illnesses (Ubel, 2013). A University of Michigan study found that between 2000-2011, small and medium businesses have been decreasing employer-based health insurance coverage, while larger companies (over one hundred employees) have consistently provided coverage (Ubel, 2013). This trend started before the passage of the ACA and supports that small and medium businesses were having difficulty in providing this benefit to their employees consistently.

The article being summarized is out of the book Health Care Delivery in the United States by Jonas and Kovner. The chapter is called Access to Care written by Billings, Cantor, and Clinton in 2011. The article is a review of literature because it is a chapter from a book and did not test any new information. The chapter looked at studies that have been done and comparing and showing the different findings. The point of this chapter is to, “understand the nature of the access problem, understand the distinction between economic and noneconomic barriers to health care, understand the characteristics of the uninsured and the policy implications of those characteristics, understand how access barriers impinge on health, understand how access barriers affect the health care delivery system, and understand the challenges for recently enacted national health care reform, particularly around reducing noneconomic and quasi-economic barriers to care” (Billings, 2011, p. 151). The main point of this chapter and researching findings was to look at the barriers that still exist in the health care system that are causing people to remain uninsured in this time of health care reform.

As Americans, we pride ourselves in our rights and freedoms. The right to express ourselves freely, the right to bear arms, and the right to pursue life, liberty, and property. However, this has created an entitlement complex in the American people, making it difficult to discern who has the right to what. One of these issues of entitlement is found in the American Health Care system and who has the right to it. Simply put, the Health Care System is the diffusion of medical and health services to the public. However, a problem arises as there is much conflict on whether or not Healthcare is a personal choice or should be provided by the government. It has been a difficult decision-making process as there are extremes on both sides of the argument.

In addition to an expansion of who is covered by insurance plans there were also significant changes made to what is covered by insurance plans. Insurance carriers will no deny health care coverage to individuals because of pre-existing conditions (OpenCongress). This is an advantage for individuals that cannot find coverage due to chronic conditions. The new legislation also prohibits a health plan from canceling coverage of a member unless there is evidence of fraud (OpenCongress). Insurance companies will no longer be allowed to dis-enroll members when they have

The purpose of this paper is to inform you of a proposal that the Governor of Texas has proposed to the state, on how he feel about the health care reform. I will be talking about how the governor thinks by” issuing top-down mandates on a break-neck timetable is a surefire way to make things worse”. The health care reform legislation currently being considered not only poses a serious threat to patients and providers, but will also cost Texas taxpayers tens of billions of dollars. I will be explaining how the governor feels that President Obama’s plan will cause harm to the health care system,” by increasing

In the modern United States, the starting point of any practical discussion about health insurance begins with the Patient Protection and Affordable Care Act (ACA). The ACA has a significant amount of influence over employers and their individual employees, and therefore must be discussed before any recommendations may be made. There are three major aspects of the ACA that are relevant to our client and that ought to be discussed and considered. These aspects include the individual mandate, the employer mandate, and the exchanges.

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.

US health care expenditures have been rising quickly over the past few years; it has risen more than the national financial system. Nonetheless a number of citizens in the US still lack appropriate health care. If the truth be told, health care expenditures are going to continue to increase; in addition numerous individuals will possibly have to make difficult choices pertaining to their health care. Our health system has grave problems that require reform, through reforming, there is optimism that there will be an increase in affordable health care and high-quality of care for America. Medicaid, Medicare and private sector insurances are all going through trials and tribulations because of

Changes in access to health care across different populations are the chief reason for current disparities in health care provision. These changes occur for several reasons, and some of the main factors that contribute to the problem in the United States are: Lack of health insurance – Several racial, ethnic, socioeconomic and other minority groups lack adequate health insurance coverage in comparison with people who can afford healthcare insurance. The majority of these individuals are likely to put off health care or go without the necessary healthcare and medication that is needed. Lack of financial resources – Lack of accessibility to funding is a barrier to health care for a lot of people living in the United States