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The Rising Number of Uninsured or Underinsured in the Country - Research Paper Example

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Name of student: Course: Tutor: The rising number of uninsured or underinsured in the country Q1.For what period of time must someone be uninsured to be counted in that number? One qualifies to be uninsured if they spend 10% of more of their income or 5% for the low income earners on out of pocket medical costs, or in case they incur deduction the can be equaled 5% or more of their income for a period f one year (Hammaker et al, pg 11)…
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The Rising Number of Uninsured or Underinsured in the Country
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Download file to see previous pages More than half of the underinsured, which represented 53%, and two third of the uninsured which represents 68% did not have the opportunity to access the needed medical care. This included but not limited to not being able to seek doctors when ill, filling prescriptions also not following up on the recommendation tests or treatments made by the doctors. Among the insured, a meager 31% went without such care. When it comes to financial difficulty and access problems, the underinsured who have coverage all year reported similar experiences as the uninsured. 53% which represented more than half of the underinsured and two thirds of the uninsured which was 68% went without the needed care including, but not limited to seeing a doctor when unwell, not filling prescriptions, and not being able to make a follow-upon the recommended tests or treatments as directed by the doctor. A meager 31% of the insured population went without such care. ...
Q3.What number and percent of Americans have insurance? Those who are underinsured, that is people with health covers, which does not, properly or fully protect them from high medical cost in the U.S has risen immensely. This is according to the commonwealth fund study. For the year 2007, the number of underinsured were estimated at 14% of all the nonelderly adults, with more than a quarter uninsured for all or part of the year. Addition of these two groups gave a total of 75 million which represented 42% of the under 65 years population without insurance or insufficient insurance in 2007, up from 35% in the last three years (Sultz et al,pg 03). Most of people in this group come from the middle class families. As those from low income families remaining vulnerable, those from the middle class families being affected the most. This was evident from an analysis from families which earns approximately 40,000$ per annum almost tripping in the last three years. Q4.What has been the trend for the number of those WITH insurance over the past 2-3 years? According to Hammaker et al, (pg 96).he number of those having insurance cover has been on a downward trend. This has been attributed to undesirable effects of increased cost-sharing on patient access to on time care that can be tricky for the low income families. Plans seldom adjust cost exposure based on earnings. Combination of poor health and low income inflate the risk of access barriers and financial stress. The number of uninsured in the US have adopted a downwards trend because of the following highlighted factors. The factors include, but restricted to, welfare reforms which initiatives that have minimized the ability of many ...Download file to see next pagesRead More
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