Health insurance premiums have been rising on average by double-digit percentage points over the past five years, a rate of increase that is 2-3 times the rate of inflation. Because of these out-of-control health care costs, there has been a steep rise in the number of uninsured Americans…
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In the face of rising health care costs, fewer employers are able to provide their workers with health insurance; the percentage of employers offering health insurance dropped from 69% in 2000 to 60% in 2005. Even if employers are able to provide health insurance benefits, the trend is towards providing high-deductible insurance that covers an ever-shrinking percentage of health care costs.
The net result is that more and more employed middle-class Americans find themselves with low-quality or no access to health care. The erosion of employer-based coverage has been partially offset by increased enrollment in Medicaid, which is designed to provide a safety-net for the lowest income Americans.
However, Medicaid has recently been the subject of relentless funding cuts by cash-strapped states and Congressional representatives who are ideologically opposed to welfare programs. As the program continues to be slashed, it is certain that Medicaid will not be able to offset the losses in employer-based insurance, resulting in more and more uninsured individuals. Health insecurity is at an all-time high. In a time when thousands of people lose their health insurance every day, when health care is becoming elusive to even well-to-do Americans, and when any person is just one pink slip away from becoming uninsured, it becomes clear that health care for all is not just important to achieve, but imperative. (http://18.104.22.168/searchq=cache:MjuwB2oUF14J:www.amsa.org/uhc/CaseForUHC.pdf+%22Health+insecurity+is+at+an+all-time+high.+In+a+time+when+thousands%22&hl=en&gl=pk&ct=clnk&cd=1)
Most people have health insurance through their employers or jobs. But, employment is no longer a guarantee of health insurance coverage. As companies change from manufacturing-based economy to a service economy, the working patterns revolve and health insurance coverage has become less stable. Due to rising health insurance, many employers cannot afford to offer health benefits. Companies that do offer health insurance, often require employees to contribute a larger share toward their coverage. As a result, a lot of people have made a decision not to take advantage of job-based health insurance because they cannot afford it.
Because of this healthcare spending continues to rise at the fastest rate in history. For example in 2004, according to the National Coalition of Healthcare (NCHC) the total national health expenditures rose 7.9 percent -- over three times the rate of inflation (1). Total spending was $1.9 TRILLION in 2004, or $6,280 per person (1). Total healthcare spending represented 16 percent of the gross domestic product (GDP). Healthcare spending is expected to increase at similar levels for the next decade reaching $4 TRILLION in 2015, or 20 percent of GDP.
In 2005, employer health insurance premiums increased by 9.2 percent - nearly three times the rate of inflation. The annual premium for an employer health plan covering a family of four averaged nearly $11,000. The annual premium for single coverage averaged over $4,000.
Experts say our healthcare system is filled with inefficiencies, unnecessary administrative expenses, inflated prices, poor management, and inappropriate care, waste and fraud. These problems drastically
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More expensive health care cost may imply that better quality follows, a common assumption regarding their relationship. In this paper, the relationship between health care cost and quality will be ventured, citing endeavors of both public and private agencies to
In 2001, employers saw an annual increase of approximately 10.2 percent, rising to 12.6 percent in 2004 (Weatherly, 2004). Recently, according to Miller (2010), the cost of benefits increased 7 percent in 2010 and is estimated to increase by 8.9 percent for 2011, in spite of proposed legislation and innovative strategies implemented at the Human Resources (HR) level within large organizations across the country (Weatherly, 2004).
The goal of national health insurance system is to modify the United States health care system so that affordable, high quality services are available to everyone. The history of the American health care system illustrates the centrality of employment as the basis for obtaining access to health insurance coverage for the working age group.
The uninsured patient is therefore a person who for one reason or the other is unable to have this kind of commitment to his or her health. A study of the nursing practice as it obtains in America presently would reveal the fact that attention is concentrated on the insured patients in hospitals to the detriment of the uninsured patients
Another possible solution is health care being given to everyone to promote preventative care. If a change is not made, the country is in danger of worsening dramatically in matters of health and related costs.
More than seventy million Americans don't even have health insurance, and as premiums rise, so will that number.
This is 50% above the national average and the highest in the nation. Several states around the country have taken action to contain the costs and limit the expenditures on healthcare. This must be accomplished while maintaining the same level of care. There are five major areas that Texas needs to address to reduce the costs to the state of caring for the uninsured.
According to The National Coalition on Healthcare the total spending in healthcare in 2007 was $2.4 trillion or $7900 per person. In 2008 this amount was to rise by 6.9% which is two times the rate of inflation (par. 2). By 2017,
The Center for Disease Control reveals a shocking statistic that put heart attack as the main course of death in the country.
Independent researches by Dr. Barbara Starfield in a journal published in 2000 reveal iatrogenic
In their analysis of the effects of increasing use of private insurance on the Australian healthcare system Hall and Maynard identify that the strategy of subsidising insurance premiums has been expensive but electorally successful. The UK government has chosen to buy increased capacity from the independent sector.
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