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Why Do People Have Health Insurance Essay

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People Being Forced into Having Health Insurance “In the United States of America, health care is not a privilege for the fortunate few -- it is a right. And I knew that if we didn’t do something about our unfair and inefficient health care system, it would keep driving up our deficits, it would keep burdening our businesses, it would keep hurting our families, and it would keep holding back economic growth.” (Obama, 2013). Health insurance has been implemented into thousands of families, but what changes has it really made other than everyone having health insurance and bringing more money into insurances’ pockets? People shouldn’t be forced into having health insurance for whatever reasons. There are many reasons why a person or a family can’t be forced into getting health insurance; First of all, not everyone has the ability to afford the prices that many health insurance provides. Also, a good percentage of our country feels that it is unfair to have to pay for health insurance. Last but not least, a good amount of people rather pay for the …show more content…

Having a low income job reduces the chances of someone purchasing health insurance as well as being able to afford for any health insurance for them and their families. A lot of people work in place where they only provide part time jobs or full time but with a low pay. Many people don’t have either jobs or may have been laid off from a company. Also, people that are working in companies where they don’t provide health insurance making it more difficult for the person to get their own health insurance. People might even work in a company where they don’t pay enough in order for the person to afford any health insurance. For example, McDonald is a big company yet, they pay their employee’s minimum wage and neither do they provide health

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People that are at the poverty line can’t afford to pay such high monthly premiums and as a result decline coverage as a choice. We also see the economic concept of self-interest within the article. Often times an imbalance in the health market is created when the younger generation who is usually health doesn’t feel the need to have health coverage. For young folks it is in their self-interest to pay out of pocket only a few times if needed rather than pay monthly premiums. In the end they’ll pay less than they would for having health insurance.

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1055 Words | 5 Pages

But Obamacare, it turns out, has done a lot of good. It guarantees that people with pre-existing health conditions cannot be rejected by insurers or charged more than others. It has reduced the number of uninsured people by twenty million. It has increased access to primary care, specialty care, surgery, medicines, and treatment for chronic

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309 Words | 2 Pages

People that don't insurances are most of the time in worse health than those that are able to get insurance. And are more frequently put into the hospital for conditions that could have been prevented. We have the right to vote but not healthcare. Americans support the belief that everyone should have equal opportunity. But in this situation those that don't have health care are at risk for health decline which makes them a disadvantage in society, therefore, they did not receive equal opportunity.

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757 Words | 4 Pages

It has made our taxes go up especially for the wealthy. It is making people lose their jobs and hours because businesses are cutting the worker hours to avoid covering the extra cost of employees insurance. People should not have to pay for health insurance or be threatened with a large fine for not having it. It is intrusive for the government to require you to have insurance. Not all citizens in the United States need health care.

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736 Words | 3 Pages

The higher someone's value, the less they have to pay for bills. For instance, if someone's actuarial value is 60%, the insurer pays 60% of the medical bill and the insuree pays 40%. Medicaid is a U.S. health care program that provides free or low-cost health insurance to people who have low incomes. In 2014 Medicaid was expanded to cover people whose income did not exceed 138% of the federal poverty level (Stoltzfus and Pollack). However, states had the option to not expand their Medicaid system.

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795 Words | 4 Pages

The individual mandate asserts that Americans who can afford health insurance decide not to do so since, in their views, there is no need to “[trade] away today’s wants for tomorrow’s needs” (Kleinke par.6). Hence, to encourage the acquisition of health insurance among the masses, the individual mandate dictates an ultimatum: everyone who can afford a health cover has to get it unless he or she gets an exemption or pays a fee (Hill 446). One has to consider the people who barely beat the federal poverty line to understand the given liability; unmistakably, they will not qualify for assistance and will still have to take up health

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962 Words | 4 Pages

One large impact will be the fluctuation in the number of people covered. Many believe that because there is no penalty for leaving and for staying out of the insurance market, people are actually incentivized, or in the case of the poor, forced, to stay out. This increase on the amount of uninsured will in turn increase the cost of insurance for those who have it, and decrease the quality of insurance. As we read from Pauly and Pagan, the quality of health care, when there is a high percent of uninsured people in the area, is lower for everyone, insured or not. This is because less money is circulated through the health care system, so physicians are paid less, hospitals do less testing, and the budget isn’t adequate to fund optimal

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543 Words | 3 Pages

Laura Knighton Course Introduction Assignment “Currently, more than 45 million Americans lack any form of health insurance.” (Chau, 2008, p. 1). When President Obama introduced the Affordable Care Act also referred to as ObamaCare, it was not openly accepted by most people, however U.S. citizens should reconsider what this Bill means for those who are in a lower class with few opportunities to health care. There are far more pros to the Affordable Care Act than cons.

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1776 Words | 8 Pages

First, I believe that it is unfair to force Americans to have health insurance in the first place. Just like it is your prerogative to choose whether or not you have cable, you should be able to choose whether or not you're going to insure yourself. In a perfect world, there is no reason to not have health insurance. Unfortunately, in today’s America, poverty-stricken families are not uncommon. For most of these families, health coverage was out of the budget.

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1136 Words | 5 Pages

As Bernie Sanders once said, “Health care must be recognized as a right, not a privilege.” Most developed countries choose to live by this quote while the United States of America chooses to go against it. Universal health care has benefits on multiple levels, whether it’s a single individual or the people in a whole. The U.S is one of the few developed countries that doesn’t offer universal health care to their people, yet the U.S spends more than seventeen percent of their GDP on health insurance. Many people believe that universal health care is a simple one solution problem, but the truth is that there are multiple forms of universal health care that provide all citizens with the health insurance they need.

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1870 Words | 8 Pages

Society runs on the idea that nothing is effortlessly handed to anyone, but rather everyone must work hard for everything in life. Health insurance is often a benefit provided, at least in part, by employers which leads to the insinuation that those without health insurance aren't working

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727 Words | 3 Pages

46.8 million Americans were reported as uninsured in 2013, which equivocates to one sixth of the population. Those without insurance have revealed that they risk “more problems getting care, are diagnosed at later disease stages, and get less therapeutic care” (National Health Care Disparities Report) and those insured risk losing their insurance. Inadequately covered citizens are often working-class individuals who simply cannot receive insurance due to uncontrollable inconveniences and therefore jeopardize having medical coverage. In these instances, Americans have a chance of being diagnosed with diseases that they had no opportunity to prevent or could not diagnose them at an early stage of the illness. Patients have suffered unnecessarily due to lack of health care, and “18,000 Americans die every year because they don't have health insurance” (PNHP).

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436 Words | 2 Pages

Before Obamacare, it is estimated that 40 million Americans have no health insurance, at 14% of the population. The reason is insurance cost here is supposed to be the most expensive. In America, systems of hospitals, doctors, health care services and medicines must be in high quality with well-served. So it is an obvious if the cost is high.

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333 Words | 2 Pages

Insurance can be a financial burden upon many people, rich and poor. What happens is, uninsured people are less likely to receive health care and more likely to have bad healthcare. Health care has a very big controversy which gives stats such as "50 million people living within the United States lack health insurance or are inadequately covered. " Putting their security at risk. Healthcare is something all Americans should claim and have the right too have.

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1218 Words | 5 Pages

The United States is one of the most powerful countries on the planet. The leader in democracy, sheer economic power, and military might. However, the United States is behind in one major issue: Health Care for it 's citizens. The United States is one of the only developed nations to not offer universal health care (Fisher). Without Universal health care there are people who fall into a trapped inside of a 'death spiral ', where the individual cannot receive health care because they cannot afford it, but they cannot afford it because they are too ill to find gainful employment.(Hussey, p. 295).

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