Benchmarking and policy and regulations - Essay Example

This percentage is increasing day by day with the increase in health care costs. The American nation is acutely aware of the fact that the health care system of their country is not working out for everyone. The increasing costs and an increasing percentage of uninsured people contribute to the rising problem in the health care system. The attention of policy makers is often directed towards these issues which they try to solve by addressing specific problems rather than looking at the whole health care system.

These short-term solutions help in solving these problems for a limited period of time. Nonetheless, the problem as a whole still remains (Bureau of labor education, 2001). There are many causes of health insurance problems in United States. Due to the high cost of insurance, many people (mostly unemployed and poor) tend to remain without insurance. Businesses do not offer all their employees health insurance, hence more than half of the employees remain uninsured. Moreover, there are some people who want to get insurance, but the insurance companies consider them unfit for health insurance.

Lastly, there are people who consider themselves healthy and do not want to seek insurance and pay high amounts of money to these health insurance companies (Bureau of labor education, 2001). As per the statistics 46.3 million people are currently uninsured in United States, however according to Families USA (2009), the number is even higher if we add the number of people who remain uninsured at least during for a little time. In 2007-2008 almost 86.7 million people were uninsured at some time.

Almost 5 million people have the finances to get health insurance, however are not able to due to pre existing conditions. Texas has the highest number of uninsured people as compared to all other states of America. During 2004-2006 almost 24.1% of Texas population was uninsured (US Census Bureau, 2009). The percentage of under-insured