Uninsured Americans

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

The U.S. healthcare system is remarkably complex, and even healthcare workers struggle to understand it. The U.S. population gets health coverage by government programs, employers, and private insurance. Notably, because of the complexity and fragmentation of the health care system, there is a percentage of the population that remains uninsured. According to CNN Money, the uninsured rate in the U.S. dropped from 18.2% in 2010 to 10.3% in 2016, this drop was under Affordable Care Act(ACA) (). The goal of the ACA was not to give health coverage to all the uninsured population, rather it was to try to decrease the percentage of the population that remained uninsured(). There is a lot of inequality in the distribution of health among the U.S. population

insurance due to unemployment. There are also a lot of uninsured Americans that are employed, however the cost of health insurance keeps rising and many families are opting not to have the insurance so that the bills can still be paid. Lack of insurance has had the greatest effect on thousands of Americans who suffer from chronic diseases. These Americans are now unable to go to the doctor on a regular basis and keep up with their daily medicines that are necessary in

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.

Many of the uninsured or underinsured are low-income or working families. According to the Kaiser foundation, “…adults are more likely to be uninsured than children. People of color are at higher risk of being uninsured than non-Hispanic Whites” See Appendix 1 (Kaiser Foundation, n.d.). Many Americans therefore go without needed health care each year due to the cost alone. These are the people with chronic diseases that need preventative services that may prove to reduce cost in the long run. With the economy failing the added depression and stress helps to hinder good health.

Before the Affordable Care Act, 50.7 million Americans (16.7 percent) were uninsured. The main reason for this was money. The majority of these uninsured American families simply couldn’t afford health insurance and those who did have insurance spent a good chunk of their income to pay for it. The percentage of Americans who were covered by employment-based health insurance (the most popular form of insurance at the time) was the lowest it had been since 1987 when the first statistics on

While there is not one solid reason for the health of the American people to decline, we are led to believe that the uninsured people in the United States are the reason of it. According to the article, A Creeping Catastrophe according to polling firm Lake Research Partners “while 47 million Americans are uninsured, 91 percent of voters in the 2008 election had some form of health insurance” (Armstrong and Wayne 3). This equal to 15% of the USA population from that year. Now, of this 15% uninsured, how many are unemployed, homeless or really in need

Even with employer-sponsored programs and federal programs for those who qualify, many Americans are uninsured. Over 46 million Americans had no health insurance in 2006, and 86.7 million went without health insurance at some point in 2007 and 2008 (“Health Care Issues”). Why has the number of uninsured risen so drastically and why are employer-sponsored programs dwindling?

The U.S. is an industrialized nation that continues to be behind on providing health care coverage to all citizens. However, the German health care system came up with a plan that ensured all citizens are provided with some form of health care coverage; nevertheless, the U.S. continues to dispute health care reform and how to provide coverage to all citizens. “Health spending per capita in the United States is much higher than in other countries – at least $2,535 dollars, or 51%, higher than Norway, the next largest per capita spender. Furthermore, the United States spends nearly double the average $3,923 for the 15 countries ("Health Care Cost," 2011, table 1)”.

Everybody talks about how bad the US healthcare system is, which it might be a little bad, but it is not all bad. In the last one hundred years, the life expectancy went from 47 to 78, and 3.5 years in the last decade. That is a huge difference. Since 1960 heart disease went down 56 percent. Doctor visits used to be for when people knew they were going to die, but now they will not die when they go to the doctor. Even though all of those good things have happened, there is still a lot of bad things about the US healthcare. There is an average of 101,000 preventable deaths per year in the US. Most of those deaths happened because of the way the healthcare system is organized. Race, income, and environment influences who gets access to healthcare and who does not, which is just wrong. Even though the life expectancy rate went up, it is still significantly lower than other countries. Over half of people who do not have healthcare are African-American. There are more hospitals in wealthier area, and public hospitals are closing where they are most needed.

According to World Health Organization, “Universal Health Coverage means that all people and communities can use the promotive, preventive, curative, rehabilitative and palliative health services they need, of sufficient quality to be effective, while also ensuring that the use of these services does not expose the user to financial hardship”. (WHO.int) By doing so, we give the people the opportunity to be equal to the rest of the society. Since the cost of a healthcare plan is beyond most people’s budget in the United States, the average person spends more money on healthcare insurance than groceries and housing together. This condition leads many to have no coverage at all. In fact, there are over 45 million uninsured residents in the U.S. in it

I. More than 43 million Americans reported being uninsured throughout 2002 and millions more lack coverage for shorter periods. The lack of insurance negatively affects not only the uninsured, but their families, the communities in which they live, and the country as a whole (The Institute of Medicine).

With the current healthcare system in the United States there are many people who do not have health insurance due to cost.

Even though 45 million Americans are uninsured, the U.S. spends more on health care than any other industrialized nation, and those countries provide health care to all of their citizens. (National Coalition on Healthcare, 2005, Facts on health care costs).

Today, according to the Census Department (2010), there are 51 million (16.4%) uninsured individuals in the Unites States and a large percentage of those individuals are Hispanic. Among Hispanics ages 18-64, 37% are uninsured, which is about twice the size when compared to the proportion of uninsured among the general population, and nearly 2.5 times the proportion of white, non-Hispanics. Additionally, 2.9 million Hispanic children who are younger than 18 years old (21%) are uninsured. This compares with uninsured rates among children who are younger than 18 years of 7.4% among Non-Hispanic whites, 14.5% among African Americans, and 12.4% among Asians.