The Issue Of Health Insurance

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Health Insurance Everyone though out the United States is required to have some sort of health insurance since the enactment of the patient protection affordable care act that began in the beginning of 2014. The reform act basically states all individuals have to have some type of health insurance and if they fall to have the minimum required insurance then will face a tax penalty. However, with the way the law is written the information can be difficult to understand and even more difficult to determine what the impact will be if individuals fail to comply and obtain insurance (Suelzer). Although the coverage is mandatory there is a loophole in the act making some individuals exempt from being required to have health insurance. Individuals who have a religious belief, undocumented emigrants, incarcerated individuals, Indian tribe members, and families who have income that is below the taxable threshold all fall into the exempt status and are not required to have health insurance according to Marcia Richards Suelzer, MA, JD (Suelzer). My goal is to focus on health insurance showing it is not benefiting the people of the United States because of the extremely high costs. Although health insurance can be beneficial because providers get paid for the services they provide to the patient the insurance premiums and deductibles are in many instances way more than many families across the United States can afford. With these extremely high costs for insurance statics show that over 40 million families’ can’t afford or have access to needed health care systems. “It shows that one-fifth of Americans couldn 't afford one or more of these services: medical care, prescription medicines, mental health care, dental care, or eyeglasses (R... ... middle of paper ... ...ank but does because they are forced to or face the potential of being shot for not complying. It is the same type of situation, the government says you have to get and keep insurance or face penalties for failing to comply. Although it is understood there are some benefits to having healthcare, like having access to health care they may not have had before, there was no regulations put in place on insurance companies. When people began being forced to have insurance the insurance company’s raised their premiums making it harder to afford. Individuals started seeing higher out of pockets expenses because of higher deductible and copays, before the insurance plan pays anything. So the average citizen may over the course of a year pay in thousands of dollars to their insurance between premiums and deductibles and never see the full benefit’s the police has to offer.

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