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Failure to pay for medial bills by the uninsured people can result into the increase in costs for the insured ones through higher premiums. According to the health policy regarding the insurance coverage, the people between the ages of 55 to 65 do not qualify for the public insurance coverage, yet they are the ones with many medical problems. The government should ensure that the uninsured persons can access the public insurance covers (Georgetown University, 2003).
The adults are not as healthy as the younger ones; therefore, they need preventive care regularly. The large percentages of adults have chronic illnesses and cannot access the preventive health care. Persons who can access the private insurance constitute a small percentage (Georgetown University, 2003). Moreover, the only adults of age 55 to 65 who get public insurance are the disabled and they are very few. Since the people without the insurance mostly get primary care at emergency rooms, there are increased risks of overstraining of their organisms by traumas. This makes it difficult for the emergency rooms to deal with traumas. The overburdening of the emergency rooms can lead to the increase of the local taxes (Georgetown University, 2003).
Many old people die due to late diagnosis of chronic illnesses which can be screened and treated in time. Those who have the insurance regularly go for checkups; therefore, the screening of the chronic diseases like cancers can be more effective. Additionally, the lack of insurance can make individuals go without health care. This is because the uninsured are more likely to spend more on the medical services compared to the insured individuals, since they pay more of their medical fees from their pockets. The prescription drugs for the chronic diseases are very expensive, especially for the uninsured elder individuals. Inability to pay for the health care due to its high costs makes most of the people live without the preventive health care
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