Uninsured Families Research Paper

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

In addition to those who are unemployed, you also have the Americans that are employed and still uninsured. These Americans either choose not to have health insurance or they are still unable to afford it. I have been there, I had to choose more money on my paycheck over having health insurance. For most, being uninsured is not a choice, insurance is simply unaffordable. In an article on The Economic Impact Of The Uninsured it states that “eighty percent of uninsured people are employed, or live in a home where a family member is employed. Their plight has nothing to do with a slow economy” (Knowledge@Emory). More young Americans look at insurance as a luxury not a necessity. However, when the unknown happens then these young people are faced with an enormous

Who are these people without health insurance? “Everyone I know is insured”. Of the twelve people randomly quick-polled in a Hartwick College dormitory, only two answered that they knew someone who was uninsured. Granted, they are “rich” college students. Many of them have never been exposed to people who wouldn’t have the money to pay for insurance, right? Wrong. The National Rural Health Association reports that “nearly eight in ten uninsured Americans have family incomes above the poverty level” (NRHA 2).

The cost of health insurance has changed drastically over the years as it has become more expensive. Depending on personal characteristic, the cost of health insurance may vary. For instance, as individuals grow older the more expensive it becomes. In this case, health insurance is more costly because “older individuals require more health care” therefore “the cost of providing health care is rising” (Madura &Atlantic, 2012). Not only does this affect the high cost of health insurance, but the number of individuals uninsured. As stated by Madura and Atlantic (2012), “about one in every five workers is uninsured” and has increased since then because health insurance has become unaffordable. As a result, individuals tend to seek health care elsewhere as they can no longer

Recently the Untied States top priority has been to provide accessible and affordable health care to every American. Those that lack access to coverage find it much more difficult to seek proper treatment and when they do they maybe left with astronomical medical bills. The CommanWealth Fund found that one-third or thirty three percent of Americans forgo health care because of costs and one-fifth or twenty percent are thus left with medical bills that have problems being able to pay. The federal government, through the Affordable Care Act (2010), has mandated that every person have health coverage in order

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.

This is a paper about the issues involving uninsured Americans and what we can do to improve healthcare in America.

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?

Consequently the U.S. spends more money than any other country on health care, and the medical care that is being provided may be compromised. Research has shown that the lack of health care insurance compromises a person’s health. However, there continues to be unnecessary death every year in the U.S. due to lack of health care

Data show that the number of uninsured Americans has greatly reduced over the past 2-3 years. However, prior to the adoption of various provisions of the Affordable Care Act (ACA), there were over 41 million people uninsured in 2013 (Kaiser Family Foundation, 2014). The number of people without health insurance, especially children, has steadily increased throughout most of the past decade. Children without health insurance are more likely to suffer from preventable and treatable illnesses, including their long lasting related effects, than their insured peers (Majerol et al, 2014). Majerol et al. also demonstrate that the uninsured are less likely than those with insurance to receive preventive care and services for major health conditions and chronic diseases.

     Most of the people who are uninsured are the working poor, which the overall costs of medical care can hurt them. By the means of doing their best, these people just can’t afford the insurance. Health care has become increasingly unaffordable for businesses and individuals. (Reese) Premiums grow several

Someone without health coverage are less likely to receive preventative care and therefore more likely to become ill which increases medical costs, [1].

Cost is the significant fear has been seen among the individuals those who are uninsured . In front of them they have only few choices , In which they have to pick up one which is most necessary for them. So instead of seeking health, They

The uninsured population is also causing havoc in the health care market. This group of individuals may not have the opportunity to obtain health insurance through an employer or cannot afford the cost due to their income. The Affordable Care Act is in place to assist them with getting insurance. Many people deem this act impractical as some of the plans available are not affordable. This government is currently working on trying to eliminate this mode to receive coverage however they need to streamline the process and find ways to make this suitable for the citizens. Having insurance coverage is vital one’s health as well as the economy. Individuals without insurance are less inclined to seek care which can be detrimental to their health and

One of the many rising problems in the United States is the amount of uninsured adults. The term uninsured is used for someone who does not have insurance. Many people in the United States do not have health insurance. An estimated number of people without health insurance was over 15 percent of the american population. People cannot get insurance because it is too expensive for them. Many will rely on their employment to have health insurance for them. The problem with that is that many low paying jobs do not provide insurance for the employees. So because of their low paying job and no health insurance, they are left uninsured. People who are unemployed also cannot afford to pay for health insurance, and often times they are the ones who