Article Review 2 The Moral Hazard Myth: Analyzing The Failed Health-Care System By Malcolm Gladwell In this article Malcolm Gladwell criticizes health care Industry and harsh realities of uninsured Americans .He analyzes various facets presented by various researchers and politicians which only leads to further denial of health care for the needy and increased complexity of the system. He starts with the paper presented by Susan Starr Sered and Rushika Fernandopulle about the “Uninsured in America” which according to them is mainly because of poverty. People cannot afford it because they do not have Jobs and they cannot work because they are sick. If they happen to visit the doctor, they have to pay bills which they cannot afford and end up bankrupting, the perfect vicious cycle. Next, he analyzes the various solutions suggested. According to the economists it is the “Moral hazard” the over consumption of the health care by the insured is to be blamed .This fear of “Moral Hazard” is believed to be the …show more content…
To minimize the moral hazard, Bush administration came up with Health savings Account, to empower people to take their decisions under which the consumers have to pay for their routine health care and to purchase health insurance in case of catastrophic expenses. He then talks about various insurance programs which can help in resolving the health care mess. Firstly being the social insurance model. Medicare is based on social insurance model that are happier than people with private insurance. Secondly he consider Actuarial way can be beneficial but it has profound legal implications which leaves people with health savings account as the irrevocable step but even this will lead to divide people into two extreme clusters on the insurance
One of the most controversial topics in the United States in recent years has been the route which should be undertaken in overhauling the healthcare system for the millions of Americans who are currently uninsured. It is important to note that the goal of the Affordable Care Act is to make healthcare affordable; it provides low-cost, government-subsidized insurance options through the State Health Insurance Marketplace (Amadeo 1). Our current president, Barack Obama, made it one of his goals to bring healthcare to all Americans through the Patient Protection and Affordable Care Act of 2010. This plan, which has been termed “Obamacare”, has come under scrutiny from many Americans, but has also received a large amount of support in turn for a variety of reasons. Some of these reasons include a decrease in insurance discrimination on the basis of health or gender and affordable healthcare coverage for the millions of uninsured. The opposition to this act has cited increased costs and debt accumulation, a reduction in employer healthcare coverage options, as well as a penalization of those already using private healthcare insurance.
David and Goliath is the story of a young shepherd whom lacking of any kind of combat training, managed to overcome a giant, who was sophisticated in combat tactics, just using his wit. In modern times, that act is used as an analogy to compare people who against all odds overcome a difficult situation in their lives.
Access to healthcare provides financial stability by assuring people that they will not be financially destroyed by injury or illness. Additionally, when people can afford regular medical care they tend to avoid chronic problems and financial stress. In a study provided by the American Medical Students Association, researchers reviewed the costs and benefits of universal health care. They came to the conclusion, after reviewing other articles and statistics from multiple sources, that, “The annual cost of diminished health and shorter life spans of Americans without insurance is $65-$130 billion.” (Chua 5) This comes from people not having adequate health care and then losing their jobs because they...
In Kingdon’s framework, a problem of interest can be disclosed to the public via a change in indicator (17). In the health care system, the change of indicator is the rise in number of uninsured citizens (Cochran et al, 269). The access to health care is through health insurance, which in most cases is not easily attainable for those of low income (Cochran et al, 269). A person with no insurance is still capable of receiving care, albeit at a reduced quality, and by paying direct costs. This can lead to not receiving proper care from the medical staff, or the diminishing existence of safety net hospitals (Cochran et al, 269; Zwanziger and Khan, 494). Thus, insurance is an important factor in the well-being of citizens to gain access to high quality comprehensive ...
The United States spends vast amounts on its healthcare, while falling short of achieving superiority over other developed nations. One cannot overlook that the deepening recession has left many without jobs and therefore lacking health insurance. According to Fairhall and Steadman, (2009), even though the recession is hard on all, it is worse on the uninsured due to health care and insurance cost rising faster than incomes. Nevertheless, even those with jobs are lacking in health insurance due to employers, who provide insurance, are increasingly dropping their sponsored insurance. Many find that purchasing a health policy or paying for medical care out-of-pocket is cost prohibitive. “Since the recession began in December 2007, the number of unemployed Americans has increased by 3.6 million,” (Fairhall & Steadman, 2009). In 2009 it was stated that approximately 46 million Americans were uninsured, however not all of that number is due to the inability to afford coverage. According to a 2009 story written by Christopher Weaver of Kaiser Health News, 43% of that number should be classified as “voluntarily” uninsured. This subset of uninsured Americans consist of nearly half being young and healthy; therefo...
The film Sicko (2007), is about the misfortune and distress associated with the American health care system and how it compares to those in several foreign countries where universal health care is the norm. The audience explores Moore’s rhetorical strategies and how he represents the issue of health care, with the goal of gaining support from the rest of society for his cause. Michael Moore made this film that has the purpose to especially inform the American audience about the current health system in America and the terrible system created in America that is sometimes deadly. The filmmaker used emotion, reason, creditable people, counter arguments and humor/irony to develop his argument that the American health system is terrible to citizens.
In recent years, the number of Americans who are uninsured has reached over 45 million citizens, with millions more who only have the very basic of insurance, effectively under insured. With the growing budget cuts to medicaid and the decreasing amount of employers cutting back on their health insurance options, more and more americans are put into positions with poor health care or no access to it at all. At the heart of the issue stems two roots, one concerning the morality of universal health care and the other concerning the economic effects. Many believe that health care reform at a national level is impossible or impractical, and so for too long now our citizens have stood by as our flawed health-care system has transformed into an unfixable mess. The good that universal healthcare would bring to our nation far outweighs the bad, however, so, sooner rather than later, it is important for us to strive towards a society where all people have access to healthcare.
The Patient Protection and Affordable Care Act passed by President Barack Obama is a significant change of the American healthcare system since insurance plans programs like Medicare and Medicaid (“Introduction to”). As a result, “It is also one of the most hotly contested, publicly maligned, and politically divisive pieces of legislation the country has ever seen” (“Introduction to”). The Affordable Care Act should be changed because it grants the government too much control over the citizen’s healthcare or the lack of individual freedom to choose affordable health insurance.
Malcolm Gladwell’s “Troublemakers” is an article in which he explores the way societies make generalizations. Malcolm explains how Ontario has banned pit bulls due to a boy being attacked and people viewing that one example to be enough to distinguish all pit bulls as vicious and bloodthirsty. He goes on to employ that all dogs even resembling pit bulls or that have some pit bull mixed into them have been banned as well, because anything that looks like a pit bull has now been deemed dangerous for the people in that society. Not only does Malcolm point out other ways societies generalize people, like racial profiling a terrorist, but he distinguishes how steps could have been taken to eliminate the threat of the pit bull but it seemed to just
In America the affordability and equality of access to healthcare is a crucial topic of debate when it comes to one's understanding of healthcare reform. The ability for a sick individual to attain proper treatment for their ailments has reached the upper echelons of government. Public outcry for a change in the handling of health insurance laws has aided in the establishment of the Affordable Healthcare Law (AHCL) to ensure the people of America will be able to get the medical attention they deserve as well as making that attention more affordable, as the name states. Since its creation, the AHCL has undergone scrutiny towards its effects on the government and its people; nevertheless, the new law must not be dismantled due to its function as a cornerstone of equal-opportunity healthcare, and if such a removal is allowed, there will be possibly detrimental effects on taxes, the economy, and poor people.
6. The special characteristics of the U.S. health care market are Ethical and equity considerations, asymmetric information, spillover benefits, and third-party payments: insurance. Each one of these characteristics affects health care in some way. For example, ethical and equity considerations affect health care in the way that society does not consider unjust for people to be denied to health care access. Society believes that it is the same thing as not owning a car or a computer. Asymmetric information also gives health care a boost in prices. People who buy health care have no information on what procedures and diagnostics are involved, but on the other hand sellers do. This creates an unusual situation in which the doctor (seller) tells the patient(buyer) what services he or she should consume. It seems like the patient has to buy what the doctor tells him. The topic of spillover benefits also cause a rise in prices. This meaning that immunizations for diseases benefit not only the person who buys it but the whole community as well. It reduces the risk of the whole population getting infected. And the last characteristic is third-party insurance. Which involves all the insurance money people have to pay. This causes a distortion which results in excess consumption of health care services.
There is an ongoing debate on the topic of how to fix the health care system in America. Some believe that there should be a Single Payer system that ensures all health care costs are covered by the government, and the people that want a Public Option system believe that there should be no government interference with paying for individual’s health care costs. In 1993, President Bill Clinton introduced the Health Security Act. Its goal was to provide universal health care for America. There was a lot of controversy throughout the nation whether this Act was going in the right direction, and in 1994, the Act died. Since then there have been multiple other attempts to fix the health care situation, but those attempts have not succeeded. The Affordable Care Act was passed in the senate on December 24, 2009, and passed in the house on March 21, 2010. President Obama signed it into law on March 23 (Obamacare Facts). This indeed was a step forward to end the debate about health care, and began to establish the middle ground for people in America. In order for America to stay on track to rebuild the health care system, we need to keep going in the same direction and expand our horizons by keeping and adding on to the Affordable Care Act so every citizen is content.
Much of what the future holds are consequences of the events that have already taken place. Ray Bradbury's novel Fahrenheit 451 is a story about a lifestyle in the future that has evolved from our present, but in a seemingly different world. There is no flow of ideas, and the main purpose in a person's life in those days was to relax, not think, and be happy. Despite the seemingly unreality of the world in the future, the author is using it as a cautionary tale of what may become of our society. Bradbury stresses his views on how best to keep our society's system of government checks and balances, technological advances, and its fluidity of ideas.
Marxist theory argued that the problem is not just about access to medical care. It is the capitalist economy that defines health and medicine. Under the umbrella of this system, “the main goal of medicine is not health but profit. The profit turns doctors, hospitals, pharmaceutical industry into multibillion do...
According to Roy, 2013 the issues of providing the affordable care act will unite both the supporters and offenders of the public policy, but in this current situation where the input costs are rising, it will become impossible for government in managing the public policy related to affordable health care. In order to provide affordable health care, majority of the US government has tried out different policies time to time, but unable to get success in realizing the actual policy goals. By providing the affordable health care to majority of the people who requires more amount as controlling the input cost is not possible (AAMC, 2013). Lack of doctors is one of the primary issue in providing high quality health care to the citizens especially those who are financially poor. The Supreme Court of the country passed an Act related to Health insurance as all should have Health Insurance to all the country people by the year 2014, but the at the same time government is concerned about constitutionality of these act (NYTimes, 2013).