Why Patients Lack Health Insurance Coverage

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Introduction: Many low-income people who cannot afford healthcare services often have a difficult time finding a pharmacy or physician who will accept them as patients. Patients who do not receive the appropriate care from physicians are at a higher risk of developing avoidable diseases. Research has shown 23% of uninsured patients do not get medical care due to the cost of treatment or get delayed medical treatment due to costs (Barton, 2010). Bernard and Sheldon found in 2006 approximately 11.3 million U.S. residents were uninsured from 2001 to 2002, despite being employed (Barton, 2010). According to the textbook; Understanding The U.S. Health Services System; American Indians or Alaska Natives have the highest uninsured population being at 38%, followed by Hispanics and Latinos at 35% (Barton 2010). Furthermore, people between the ages 18 and 44 are among the highest proportion with no health insurance coverage, most of them being males (Barton, 2010). There are numerous reasons why patients lack health insurance coverage, including but not limited to: people cannot afford the premiums, do not qualify for Medicare, Medicaid, or other government programs, their employer does not offer any insurance because they are part time, or they have declined their employers insurance (Barton, 2010). These uninsured patients rarely use nonemergency ambulatory services therefore have a greater chance of having uncontrolled diabetes, hypertension, or cholesterol

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