Health Insurance and the Need for Reform Essay examples

Health Insurance and the Need for Reform Essay examples

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Insurance is a mess of mazes that leads to one outcome: one only reaps what one sows. The sowing involves lifetimes of work; hours tick away, and workers clock-in and clock-out. Near the big golden moment of retirement, some stress about their comfort in old age. It is the dream of many to find a pillow after slaving away, but for some, it is a time of discernment. Those who did not work need a cushion just as well. Maybe their children, grown and employed, could return the care they once received.


Insurance is as ancient as Babylon. The first policy dates back to 2100 B.C.; specifically, it is the Code of Hammurabi. A loan from a trader made certain his valuable cargo traveled safe from the harm of thieves or storms (Marples). The term changed drastically through the ages, and insurance is now a mess of premiums, tiers, and co-payments. It may most commonly be known as a negative number on a check stub that ensures health and safety. There exists not one company that covers everything on just one plan, but a step forward may change that.


Insurance companies should provide the option for a member to claim an unemployed senior relative as an insurance dependent.


Insuring health is a big commodity, and it is not the easiest task to choose the right plan. One must have an understanding insurance terms and what insuring health costs. One must know who can help with financial coverage and how the relationship works between the insurer and member. Finally, one must have assurance that the protection will last into old age.


The word premium is a reoccurring term used to describe what insurance companies ask of members. A premium is the monthly payment to the company for the plan of choice. In an interview, a grandmo...


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...od, it would bring about the loss of employees and services when they become unaffordable. Businesses would have taxes on health insurance benefits, causing another possibility for losses when funds are low. According to the Health Care Reform article in the daily world, the change would be a negative a ripple effect to these groups and more. The best way is to start small with one policy for existing companies.

Insurance is a matter of financial safety that all deserve, but taking on too much at once is a sure way for the economy to plummet. An affordable plan is for insurance companies to create the option of one more group’s coverage: senior citizens. Medications would become affordable, and the employer would pay less than the premium for a spouse’s coverage. Finally, companies will not have the risk of losing business. Comfort in old age can be a reality.

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