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Health Insurance - Essay Example

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Name: Course: College: Tutor: May 3 2012 Health insurance Introduction In the middle of chemotherapy, a man had his insurance coverage yanked from under his feet when it was discovered he had gallstones. The fact that he had not known about it when he was applying was not pertinent to the insurance company…
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Health Insurance Essay
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Health Insurance

Download file to see previous pages... The issue of health coverage for Americans has been around for many years. Attempts to enact a health system that would provide universal health for all have been made throughout the 20th century but without success (Quadagno p.g 201). For many years, economic factors have precluded the poor’s access to quality health insurance, and even the either classes have been struggling with the costs. One of the significant steps forward in the health issue was made recently when the government passed health mandate that intended to cover majority Americans. With this even, America edges close to the ultimate goal of universal health insurance. The effects of poor insurance systems transcend health issues and spill over to social and economic effects. This paper aims at highlighting the importance of ensuring that every American has access to health care they can afford. In the declaration of independence, it is stated categorically that all Americans have the right to survive. Without access to medical care they can afford, this right is turned in to a privilege with only the wealthy getting the best while the other classes have to do with little or nothing in the way of health care. The high cost of insurance by many people epitomizes the lurid inequality and abuse of this right. Still on legal matters, the general constitution’s preamble dictates that its purpose is to protect the welfare of the American people and their health is an integral part of their welfare. As such every America does not only need but deserves affordable and quality health care ergo insurance by mere virtue of being an American citizen. Furthermore as a citizen in a country that is signatory to the UN, health care is a human right, and as such, no factors financial or otherwise should come between them and quality health care. Considering that most Americans depend of insurance. However, for those who do not have access to insurance include those who simply cannot afford it and those whose companies cannot cover them due to their inability to pay their premiums. Losing insurance is often a result of inability to pay or when the breadwinner is unemployed. Treatment of illness during a period when one is insured becomes extremely expensive and can quickly result in bankruptcy. According to the American journal of medicine, majority of bankruptcies in the country were related to healthcare problems and the inability to finance the costs of treatment. Many of those filing for bankruptcy owed over 5000 dollars. This was representative of a considerable fraction of their families’ income for the year. Notably in this group, three quarters according to the study had medical insurance, which they were unable to afford. The economy suffers blows from within as a result of lack of affordable over for its citizens. A study by the Harvard medical school stated that 45,000 people die annually as a result of not having health insurance (Hill, 3). However, due to reduction in personal earnings, there will be poorer health care, and this boils down to reduced productivity. Workers would end up suffering from illness constantly and require sick days more frequently than they would have required when were covered. Consequently, by failing to provide affordable health care, the government is shooting itself in the leg. The high cost of insurance prevents some people from seeking from seeking treatment for chronic illnesses in fear they cannot afford it. ...Download file to see next pagesRead More
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