It is no news that millions of people are not receiving health care. Billions of dollars are going into waste and many medical students have chosen to specialize rather than going into primary health care…
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Health insurance is a crucial component in the health care system of Americans for unusual, expensive, and unpredictable events. It poses problems if it is used as a payment method for the everyday health care. Americans have been forced to pay more for health insurance but in return are receiving less. Kaiser Family Foundation (2010) states that, “American families arent only paying higher deductibles, but higher copayments as well; in 2004, only one in five people with health insurance through an employer had a copayment of more than $25; in 2008, that number was one in three and in 2009, it was nearly one in two.”
Many researches and stakeholders argue that the current state of primary health in America care is unfair, corrupt, and devious and thus requires dire need of reformation. Statistics indicate that over 47 million of Americans lack health care insurance because of the high costs involved. For instance, about 2.4 trillion dollars was spent on health care in the year 2008 but it is estimated to rise to 4.3 trillion dollars by 2016. This is said to be four times the National Defense budget. This thus implies that every time the tax rates increase the unemployed people are injured and their medical costs need to be paid.
Kaiser Family Foundation (2010) argues that, “The costs of employer-based health insurance premiums have risen 114% since 2000; Americans are paying higher deductibles with the average family deductible increasing from $1,034 in 2006 to $1,518 in 2010.” Either the middle income families with individual health care insurance coverage spends about 22% of their household income while middle income families with employer based health insurance coverage spends about 8% of their household income. Thus, many Americans families are going without health care insurance coverage because of the escalating costs, gaps in quality and in access to health care.
These rising cost are making innocent
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Weak connections among the multiple component sections are the main feature of a fragmented health care system. Simple tasks such as the assigning responsibility for payments are made much more complex by fragmentation. The more difficult tasks such as family support, social services offered after a hospital stay, and the coordination of home health care are made more complex by fragmentation because they need following many distinct sets of contradictory rules (Institute of Medicine, 2011).
One of the prominent responses to the health care crisis has been increasing support of health care rationing. Health care rationing takes on a variety of forms, but is understood as the restriction of health care services to best maximize their economic efficiency.
With this respect, this essay will critically expound on the basic reasons as to why health care should be to all Americans. The US Constitution states the need for health care is an all American right however, in 1945, the Congress passed the McCarran-Ferguson Act that overrode the 1944 Supreme Court’s ruling over federal regulation of health insurance companies.
Arguably, the crisis is a vicious cycle. People request for better services and products from healthcare providers who in turn demand better insurance coverage from insurance firms. This causes insurance firms to demand more cash from
Some of them are income, race and environment. The under-resourced communities and the disadvantaged groups are affected disproportionately due to this health care crisis. Such people that are affected are those living in poverty, color people and the Immigrants.
Indeed cost has been noted to be an important variable in the determinants of a good healthcare system. This is because according to Ralph & Taylor (2005), how much it costs a person to access healthcare plays an important role of answering the question of
However, the above systems are mostly referred to as the sickness care system which, has come with many variations. So what is the relationship?
Firstly, a healthcare system supports the role of treatment, diseases prevention and