U.S. HEALTH CARE SYSTEM EVOLUTION - Research Paper Example

Health insurance association define health insurances the coverage that provides payments benefits as a result of sickness or injury in summary they include accidental death and dismemberment, medical expense, disability expense and losses from accident (David, 1999). U.S is among the world industrialized countries it is however, a country without a national healthcare. The U.S citizens are still strangling to have a national healthcare. This call for the private sector, individual and the government to find a lasting solution to healthcare reform.

During the genesis of 20th century, the medical care was relatively inexpensive; there were progressive attempts by reformers to protect workers against both wage loss and medical costs which was formulated at around 1915. Despite a general mood of complacency during the 1920’s, started to emphasize the illness cost instead of lost wages and advantage for sickness insurance, this was mainly done to the middle class due to the inadequacy of rural facilities (Edwin, 1998). Multiple changes were brought in by the great depression that ended in 20’s, the main historical changes that occurred was the enactment of the social security act in 1935.

A Roosevelt administrations push to include health insurance was however, defeated by internal government conflict over priorities. After the depression, more severe cash flow was created for medical personal. This resulted to hospitals creating the first structured pooled financing mechanism for health insurance, which was against the advance of insurance professionals. Blue cross shield insurance company offered private coverage for hospital care in dozens of states. The cover was mainly originally limited to surgical procedures performed in the hospital however, later expanded to office visits lastly evolved into major medical coverage (Edwin, 1998).

Simultaneously to the events, employers started to