Health Insurance Should Be A Basic Human Right Essay

Health Insurance Should Be A Basic Human Right Essay

Length: 1033 words (3 double-spaced pages)

Rating: Better Essays

Open Document

Essay Preview

Health insurance is a type of insurance that typically covers an insured person’s medical and surgical expenses. The insured person could either pay costs out-of-pocket and then they are reimbursed by their insurance company or the insurance company would pay the costs directly to the healthcare provider. The provider is a clinic, hospital, doctor, laboratory, health care practitioner or a pharmacy. (Nordqvist 2012). Medical assistance would be required in every individual’s life at some point in their lifetime. Which is why the question then is raised whether health insurance should be a basic human right afforded to the general population or if it should be a product that is marketed. In some countries such as Norway and Canada, the government provides their citizens health care coverage and is seen as every citizen’s right. However, in other countries such as the United States, the government does not provide universal healthcare for its citizen’s. It is up to the individuals to obtained private insurance, whether through their career, or otherwise.
When it comes to health insurance, either publically provided or private, they suffer from problems of moral hazard and adverse selection. Moral Hazard is best explained with an analogy. For instance, we believe that all the safety features on our cars such as airbags, seatbelts, brake paddle, etc., make us safe on the road. Therefore we believe that we are safe and are more likely to drive riskier because of the belief that there is a “safety net”. Imagine all the safety features being taken off, meaning, that there will be no seatbelt or any other things that make the car “safe”, instead, there will be a dagger pointing directly to the driver’s chest. The result of this experimen...

... middle of paper ...

...s typically do not insure the full amount of the item that you are insuring. For example, if an individual insures a car and it gets into an accident, the insurance company will not insure the full amount of the car. They also make the process of getting the money difficult so this might cause “higher risk” people to not make claims as often as they would. They would also take more precautions so that they will not have to go through the process of claiming money. Another way of controlling moral hazard within the people that obtain insurance is to penalize bad behaviour (Pettinger, 2014). This would involve the companies penalizing those individuals that engage in risky behaviours. For example, the government is able to bail out banks, however, they penalize those who are responsible for making the reckless behaviours that could have led them into the situation.

Need Writing Help?

Get feedback on grammar, clarity, concision and logic instantly.

Check your paper »

Mandatory Health Insurance Essay

- The United States passed bill that health insurance should be mandatory in the year 2014. Under the Patient Protection Affordable Care Act, each person is required to have at least a minimum level of health insurance failure to, the individual will face a penalty. The mandatory health insurance issue has faced reactions from both sides with some people supporting while others opposing. It is mandatory for every individual to purchase a health insurance depending on their earnings. The health care insurance is mandatory for all US citizens, and all legal residents in America....   [tags: Healthcare, insurance, PPACA]

Better Essays
1122 words (3.2 pages)

Essay on Health Insurance in The US

- Health Insurance in USA Health is a priority in everybody's life. If we take care of ourselves then we are going to enjoy many activities in our lives, but if we don't, we will have some issues especially when we get older. However, the good thing nowadays is that people are becoming more aware about their health and we see more and more people doing exercises and eating healthy food in order to stay healthy for a long time. In fact, health insurance becomes a significant factor that contributes in our health and that is why I chose to write about the health care insurance in the United States....   [tags: healhtcare, health insurance]

Better Essays
603 words (1.7 pages)

Basic Aspects Of Health Insurance Essay

- As an Introductory chapter, Its plan section wise is designed for quicker, easy and clear understanding. In this chapter there are seven sections . Section 1.1 deals with basic aspects of Health Insurance at length. While section 1.2 treats preliminaries of Security, Section 1.3 is about problem context. Section 1.4 explains research Hypothesis. The next section 1.5 explains the aim and objectives. The penultimate unit, Section 1.6 depicts the scope of this research undertaking. Finally, the last part is devoted to the chapterisation of the thesis which is entitled as section 1.7 Dissertation Organization....   [tags: Health care, Health insurance, Health economics]

Better Essays
1715 words (4.9 pages)

Essay about Health Care Reform And Insurance

- How can we justify the change in status of how we receive health care. In today’s society, health care services are imbalanced in serving its members. Reform is what is desired by most people who feel that the present standards are insufficient. In fact, numerous reports have surfaced in support of the rights to health care. There will be different reviews examined to determine how health care reform can accommodate the misfortune as well as the fortunate. Inequalities and cost have attributed to the deficient quality of care that is available....   [tags: Health care, Health insurance, Health economics]

Better Essays
1187 words (3.4 pages)

Essay on Everyone has the Right to Have Health insurance in the US

- Rachel was 40 years old when she moved from India to USA with her husband and four kids to fulfill their American dreams. She knew little english and had great difficulty fitting into the new environment in America. She was unable to work because she had to take care of her 10- month-old daughter. Her husband, who was a lawyer in India, was now working at Forman Mills for minimum wage. Recently, Rachel was diagnosed with stage II breast cancer. Her doctors said her tumor is almost seven years old and if she has routine check ups, her survival rate will be higher....   [tags: Immigration, health, insurance]

Better Essays
1314 words (3.8 pages)

Who Needs Health Care Insurance? Essays

- Who needs health care. Well a 59 years old man named James Verone sure did in 2011. He lost his job of 17 years due to cutbacks and used of his money in the bank. James had two-ruptured disk, a protrusion on his chest, and a problem with his left foot. Since he did not have health insurance any more he could not afford to go to a doctor or the emergency room to be treated. Therefore, he decide to take matters in his own hands and rob a bank unarmed for $1 dollar to get free health care in jail. This may sound like an unwise thing to do but he did not have any other options since he was not old enough to get Medicare and was not eligible for Medicaid (Moisse)....   [tags: Health insurance, Health care, Health economics]

Better Essays
2514 words (7.2 pages)

Is Health Care a Right or a Privilege? Essay

- ... Medical professions are beginning to have less and less control what they do. They are becoming robots of the federal government. Doctors and hospitals in other countries are struggling because the government controls the prices of healthcare. After years of schooling and hundreds of thousands of dollars in debt, doctors aren’t even able to work on their own terms. “Consumers allegedly have a “right” to what health care providers provide, a “right” to say what will be provided, when, and at what price” (Salsman 2012)....   [tags: insurance, preventative, consumers]

Better Essays
1084 words (3.1 pages)

Online Discount Insurance Leads Essay

- Insurance leads are available for buying from online sources. This is advantageous both for the insurance agent and the customers because the internet is the quickest means for the two groups to get in touch with each other. These days a successful insurance agent would definitely try the online insurance leads. It provides a great competitive edge over others. The online Discount Insurance Leads not only serves as a profitable source of income but also provide leads with loads of discounts or at affordable pricing....   [tags: Insurance]

Better Essays
512 words (1.5 pages)

Understanding Insurance Coverage Essay

- Introduction Insurance is a very important part of modern life and business. In this paper I will discuss the basic concepts of insurance, claims-made and occurrence liability policies, factors for selecting an insurance company and policies, and the difference between workers compensation and liability insurance. What is insurance. Insurance is a two-way legal agreement between the insurer and the customer. The customer, which may be an individual, business, or other entity, agrees to pay the premiums as required, in exchange for monetary protection from the insurer for any possible substantial loss....   [tags: Insurance]

Better Essays
837 words (2.4 pages)

All Americans Have a Right to Health Care Essay

- All Americans Have a Right to Health Care Within the previous four years, the number of uninsured Americans has jumped to forty five million people. Beginning in the 1980’s, the American Academy of Family Physicians (AAFP) has been trying to fix this problem of health insurance coverage for everyone with a basic reform. The AAFP’s plan imagined every American with insured coverage for necessary improved services that fall between the crucial health benefits and the surprising costs. (Sweeney) They expect by fostering prevention, and early prevention, with early diagnosis with treatment, the program would result in decreased health system costs and increased productivity through healthier...   [tags: Universal Health Care Insurance]

Better Essays
1543 words (4.4 pages)