While in the short term supporting the free market policy could cost some individuals more money than with single-payer, however, over a long period of time the vast majority of individuals will end up paying less money for health care than they would have for single-payer once you include all of the tax hikes that will come with single-payer. Individuals who do not have significant health problems will be financially solid with the free market system, yet in a single-payer system they would be financially struggling because their tax rate would go up massively and they would have to pay for the health care of others when they are not of fault. While even those with a one time large medical expense, over time it will be financially beneficial
Shaw’s article relates greatly to my topic. I want to argue that the United States private insurance health care system needs to be replaced with single payer healthcare, and this article shows how Canada’s single payer system is superior to the United States”. Shaw’s explanation of how the Canadian system is better can help me to prove that the United States needs to get on with the rest of the developed world in terms of health care coverage. One of the examples that Shaw used to show that Canada’s system is better is by pointing to the fact that Canada effectively covers all of its citizens, “In the Canadian system, the number of uninsured patients is negligible because there are no private insurers to reject uninsurable patients” (Shaw 2004). This is far different from the United States where we have over thirty million Americans uninsured. In this way Canada’s system is superior to the United States which will help me to prove that the United States need’s a single payer health care system similar to Canada. Another way in which Shaw shows how Canada’s system is superior is in that the cost of health care is less burdensome on the citizens, “Canada has not yet experienced crises over high premiums like those that have occurred in several regions of the United States, resulting in doctor “walkouts.” The fact that Canada doesn’t have the issue of highly expensive premiums and doctors refusing to take surgeries is another example I can use to prove that single payer is better and the United States needs to change to a system similar to Canada’s. This article also can help me to develop a nice rebuttal to attacks on single payer health care from the right. The American right often criticizes single payer health care by citing the long wait times and even claiming some people die waiting to get the medical coverage they need. Shaw shows in his article that while wait times for same procedures may be true emergency surgeries are prioritized, “ For example, the
Health Maintenance Organization (HMO) is a group of individual health plans that are intended to provide services for costumers’ that purchase insurance policies and for those that cannot afford health insurance. Many of these organization are led by physicians, and other professionals that network together to make health care affordable for patients. In the HMO category there are five separate managed care plan models. First, the Group Model (HMO), is a group that has a number of physicians that mainly agree to provide care to a defined group of patients in return for a fix rate capita payment for discounted fees from insurance companies (Henderson, 2012 p.212).
Is the anonymous view of average Joe and the view of health insurance industries for Affordable Care Act can save individual money, but only if the individual know how it works to make a good choices. A simple subsidy for low income workers would have been a lot simpler. Insurance companies wouldn 't have to make up losses by jacking up costs and the average Joe wouldn 't have to pay a fine for not buying health insurance. I think the biggest problem is the assumption that having insurance equates to having affordable healthcare.
Since the initiation of the Affordable Care Act in 2010, Americans have been put back in charge of their individual health care. Under this new law, a health insurance marketplace provides a haven for individuals without insurance to gain coverage. Just this year, citizens found out early whether they qualified for Medicare or the CHIP formally known as the Children’s Health Insurance Program. So much is to be learned about the Affordable Care act and this paper provides the roles of the different governmental branches, along with other important factors associated with this law.
The Republicans oppose the care basing their opinion on the fact that many jobs will be lost and taxation of the rich people will lead to pure discrimination in terms of taxation laws. Democrats, support the issue with majority of them basing their opinions on the importance of a continued health care that supports the population at equal lengths. For example by ensuring that despite a job loss someone undergoing a Chemo or a pregnancy period does not have her health benefits terminated.
“Homelessness can be the cause as well as the result of poor health” (Wise, Emily, Debrody, Corey &ump; Paniucki, Heather, 1999, p.445). This is a reoccurring theme that has existed within the homeless population for decades. While programs to help reduce this constant circle are being put in place all over the country to provide medical services for the homeless to be able to go to, many are still finding that health care needs for individuals as well as homeless communities are not being met. Many studies have been completed that study both the opinion on healthcare by those who have access to sufficient health care and homeless people’s perceptions on health care administration. While many companies are working to provide more personal health care systems, it appears that the larger problem is with a lack of people know about the health care systems that are in place to help them. Companies are trying to advertise more often to inform homeless people that there is health care out there for them.
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.
I say this because a person shouldn’t have to pay ridiculous rates for quality care and I like to know that when I have to get insurance, I’ll have more protection against discrimination since I’m female. And, it’s unfair that certain groups of people pay higher rates because they’re considered to carry a higher risk for something that may never be a factor. If they prove themselves to be high risk by behavior, their lifestyle, or their condition worsens, then, prices should increase. Problems health care reform could cause would be religious tension because of contradictions between law and morals. Another possible problem could be employees paying more for health coverage from their
Under the government plan, businesses would be required to pay a fee for subsidizing insurance, or they would be required to supply mandatory healthcare for employees. If mandatory healthcare laws were required, it would raise the cost of hiring new employees and would possibly limit employers from hiring new prospects. Every American would be required to buy insurance based on the government’s idea of “acceptable insurance.” Even if people were happy with their current insurance, they could be forced to change policies if their current insurance policies do not meet the government’s “acceptable” standards. This could put Medicare in competition with private insurance companies. People would be able to choose taxpayer-subsidized plans or private insurance, but subsidies and cost-shifting would make the government plans ultimately have more appeal. Through government research st...
Most people do not make enough income to afford healthcare services short of the help of third party payers. Third party payers supply the bulk of medical payments. There are three parties involved in Physician and hospital reimbursement: the patient, the provider, and the insurance company that compensates the providers on behalf of the patient. Third party payers can be very competitive and the terms can either be simple or complex when it involves contract negotiations between physicians, hospitals. Physicians and hospitals should be familiar with negotiations, terms, and payment schedules.
Millions of Americans are without health insurance in the United States due to many factors such as unemployment, the cost of insurance and insurance companies denying coverage due to pre-existing conditions. The United States does not provide health care to its citizens the way the rest of the industrialized world does. Instead of providing coverage for all it institutes market-based options, in which some receive coverage from their place of employment, another options are purchasing individual plans and some can obtain coverage through public programs like Medicaid. The United States is the only westernized industrial nation without a universal health care system.
The first side to the health care system is the Single Payer system. Many European countries, and our neighboring country Canada, have this type of system. This system has every citizen put his or her money into a fund that would be controlled by a federal agency. That agency would then pay for the treatment. Private insurance companies would basically be die off. The difference from this and our current health care system...
Being a Canadian citizen, it is hard for me to think of life without any health insurance. I have had public health insurance all my life growing up and have been free to go to any hospital at any time and get some form of health care. Residing in the United States off and for the last 7 years I have experienced health care from both sides. I feel that private health care has huge advantages over public health care. In the following essay I will explain in three points why I feel strongly about private health care as opposed to public. What is better is always subjective, and I will not try to argue the point of health for all, but instead for the individual who is seeking the best health care possible, and is willing to put the resources into obtaining that. I will be addressing efficiency and quality, not inclusion of everyone (free health care), I will be addressing the root of this and not just that one argument, which would detract from my focus. I will not be getting into the political debate of socialism vs. capitalism, as that is a separate argument in itself, and this country is currently running under capitalism. Again coming from living in both a socialist and then a capitalist society, I feel I can do so in an unbiased manner.
As previously stated it does not, however, mean that Healthcare is free, nor does it mean that everyone will get every type of testing available. Regardless of which type of healthcare system America has people have always been left behind. The “Patient Protection and Affordable Health Care act.” Is structured to incorporate an integrated system that would essentially be Universal Healthcare. That would also mean that an insured person 's rates would not be increased to cover the uninsured. Universal Healthcare is a moral and just obligation. By promoting the health of our citizens, we then promote our infrastructure as well. Although it is not free and it will take time and effort to implement. It is worth an extra tax and the extra effort to ensure a Healthy and prosperous
As I started my Health Insurance class my belief was that this class will be pretty easy as I am familiar with much of the medical field. Personally having multiple illness’s and having three special needs children, personally I have learned so much within the medical field. However, as I began reading Chapters 1-3 in my Understanding Health Insurance book, the realization hit that I was not as knowledgeable as I thought I was. Therefore, I am eager and excited to learn new things in the medical field.