Healthcare Insurance Issue More and more family are without healthcare coverage due to the increased economy. If the growth of the economy would decrease more and more family would be cover. The cost of coverage is a financial hardship. You find a greater number of people going to the emergency room because the providers cannot deny for care. The relatively low quality of care, and the large number of persons who are uninsured.
Lack of insurance has had the greatest effect on thousands of Americans who suffer from chronic diseases. These Americans are now unable to go to the doctor on a regular basis and keep up with their daily medicines that are necessary in order to help keep them out of the hospitals. While the number of uninsured has increased nationwide, the awareness of the general population as to the affects of the uninsured has not increased comparably. While our economy is struggling to get back on its feet, the unemployment rate is declining but at a very slow rate. With so many people still without jobs, many Americans who previously had health insurance found themselves unable to pay for private insurance or COBRA.
There are many Americans in the United States that do not have health care. To be exact forty-three million Americans are uninsured. Health care should not only be offered, but affordable for all. Some of the biggest problems with our health care system right now are the unbearable cost of insurance premiums, denial of services due to costs or loss of coverage because of lay off or changing of jobs. Late in 2003 and continuing into the early part of 2004, seventy thousand workers went on strike their health care benefits.
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.
During this time of the twenty-first century, most individuals throughout the world are experiencing an economic recession. It has gotten to the point where it has affected the health care of millions of individuals around the world. This means that these people are unable to afford to go the a physician due to loss of health care benefits or the inability to maintain health care cost as the insurance premiums may have increased. Health care costs are forcing many people to go without care. For instance, according to a recent survey done last year many Americans who needed medical care did not get it because of the expense.
Abstract It is time for our government to take a step away from war and look to meeting the needs of their own citizens. The need for health care reform is more evident than ever. The recession of America has caused many people hardship due to many lay-offs and the fact that insurance premiums have risen drastically. Many families are not receiving the health care that they require due to these circumstances. It affects not only the young, but the senior citizens as well.
Unfortunately millions of our elderly people will not be able to survive with these cuts. The funding will continue to decline because there will be so many people in need of monies which in turn, this will not be enough to allocate out to others (O’Keeffe & Wiener 2009). Studies have found there is a major gap between the rich and the poor. The rich keep getting richer and the poor are getting even poorer. In order for society to help the elderly we must make cuts in other areas where funding is not really needed, rather than making cuts that are affecting our elderly.
The demographics of the uninsured have changed to include many working families who can no longer afford health insurance. The cost of health insurance has increased radically over the past ten years. Both employee and employer are spending over 100% more (The Kaiser Family Foundation and Health Research & Educational Trust, 2011). Not having health care can impact individuals, families, and communities by decreasing physical, social, and mental health. Without prevention of disease and disability, or detection and treatment of health conditions, their quality of life decreases.
How can healthcare provided by the government help all people? Over the year’s health care has gone up a significant amount. People cannot afford to pay for it, so many are not covered. Lots of people become sick and stay unable to receive treatment because they are not apart of health care or capable to pay for hospital expenses. The government should take responsibility for the people and take care of health care charges.
But, given rising rates, six in 10 insured people are worried about being able to afford their premiums over the next few years. And nearly as many worry they could lose their insurance because of the loss of a job." Another aspect of why the public is not content with the healthcare system is the quality of care. According to Langer & Sussman (2006, October 16), "More than half, 54 percent, are dissatisfied with the quality of health care generally in the country and 89 percent call the number of uninsured Americans a serious problem or worse, including 52 percent who call it "critical."" As an American I believe that healthcare cost too much and that quality of care is slipping with these high costs which makes the future very uncertain right now.