In America, there are about forty-nine million of U.S. citizens are uninsured (Zuber, 2017). All around having health insurance makes it more affordable, and allows for the U.S. to have a higher life expectancy since they could get the help they need medically. However, minorities have a tough time with insurance policies. For instance, things like race, class, and gender cam affect the insurance they will be able to receive. The low class may have a lower life expectancy than the high-class due to them not being able to afford medicine or treatments even with Medicaid.
There are many pros to having insurance in order to achieve universal healthcare. For starters, it can make hospital visits, medicine, and routine doctor visits affordable for those who cannot afford out of pocket costs. Co-pays are what makes check-ups and doctor visits affordable (Jernigan, 2017). The availability of options for insurance policies, gives consumers the right to
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citizens to have insurance to achieve universal healthcare, there are also a lot of negatives. For instance, it puts the country and people in debt, more than sixty percent of bankruptcies are due to medical costs (Zuber, 2017). This shows that even with insurance, sometimes the cost is still too much to afford. Another disadvantage is the implications and eligibility that you must look at before being able to get an insurance policy. Things like how much you make, where you work, and previous heath conditions could determine the kind of insurance you are eligible for. Many of those in the low class do not have jobs, and more insurance companies are employee based, so for the low class, they can get public health insurance or Medicaid, and for the high class they are able to afford private insurance companies. However, even though insurance makes it more affordable, there are also some people who cannot afford it due to the insurance companies inflation of