Health Insurance Companies Must Cover All Individuals Essay

Health Insurance Companies Must Cover All Individuals Essay

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Having health insurance has been one of the hottest topics in our country for many years. Republicans and an abounding number of U.S. Citizens have fought the Affordable Care Act for it not being as affordable as the President made it out to be. Has it ever dawned as to why more and more individuals avoid a doctor’s visit just for the fear of having that immense bill at the end of the month? Health insurance is a very important commodity to have, but in reality, very difficult to sustain, especially if you are only able to sign up annually. Not only is it an annual sign up, the premiums and co-pays are dreadfully expensive making it even harder to consider. Even then, health insurance companies facilitate reluctantly when guaranteeing their beneficiaries adequate coverage no matter their health.
With that being said, guarantee issue is how health insurance companies must cover all individuals regardless of their health status. A large number of those in the low-income status have yet to believe of such notion to be true. Although health insurance is available to all individuals, the Affordable Care Act has too many drawbacks that make it extremely weak (Taylor 26). Evidently, the Affordable Care Act is proving itself not to be affordable by low-income families, even with the availability of a few health coverage programs.
Subsidized health coverage is coverage that is obtained through financial assistance from programs that help people with low and middle incomes. It has been knows that the elderly are high in relying in programs such as Medicare (Shapiro 3). Not only is the elderly depending on Medicare, the non-elderly is relying in employee sponsored health coverage for their families. This is fortunately beneficial to the ch...


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...mber of uninsured Americans had fallen by about 25 percent. She also states how the same amount of Americans who enrolled in Medicaid, also enrolled for health insurance through private insurances such as employee sponsored health care coverage. Although this may be good news for the President, many Americans still refuse to put any use to their insurances mainly for being well over priced. Abby Goodnough, Reed Ableson and Anemona Hartocollis with The New York Times all agree with Americans when said that the premiums and deductibles of health insurances are just too high. Not only that, insurance companies are continuing to be devious by restricting their consumers to use only the doctors in their network. Just imagine having to lose that twenty-year relationship with a family doctor just because he was not in the same network as the insurance you had to settle for.

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