Explain how your changes will impact those middle income families who want and can afford premium coverage. The changes and recommendations proposed above are not being put in place to stop those middle income families who want and are able to afford premium coverage from getting the type of coverage they want or decide they need. The purpose of these recommendations and changes is really to bridge the gap for low income families in terms of purchasing and receiving health care. However, these initiatives will impact middle income families, even though they can afford premium insurance coverage, they might not be able to access their chosen doctors due to increased demands on doctors (Atlas, 2015). There is a greater demand on doctors with …show more content…
It is a simple and straight forward option that can work. Basically, a two-tier health care insurance system is a health care system where the government provides basic medical needs on one tier and a second tier where individuals can pay for more care (Gruber, 2009). The United States does use a two-tier system but it leans heavily towards one tier (private insurance coverage providers). The two-tier system is currently being used in the United Kingdom (UK) and most part of Europe but they are different in that these countries have a minimum standard of care that is accessible by every one of their citizens (Gruber, 2009). As we know, Europe has some of the best health care in the world and as one of the most industrialized countries in the world, a leader in many ways; it is high time that the United States of America move towards a system of health care that would reduce health disparities and inequities and improve the overall health outcomes of all its citizens. For us here in the United States, the focus will be on setting minimum standards across the nation without limiting individuals from buying higher coverage if that is their preference. In addition, individuals and families will be getting higher coverage, better access to treatment and quality health care. The beauty of this plan is that it works; many nations that use the single payer system with an explicit national health program allow individuals to purchase additional insurance or care using their own resources (Gruber, 2009). Unfortunately, the system in the United States does not quite work like that; many individuals are left in the lurch because there is no minimum standard that is acceptable across the board (Gruber, 2009). We have several extremes here in the States; one extreme is that millions of Americans have only subsidized health care coverage, another extreme is the
The article “The Ground is Shifting Under Obamacare” by Scott Rasmussen is very insightful and explains the flaws of Obamacare as a whole. I believe that Obamacare was not as successful as it should have been and he explains that it is not logical to expect everyone to want the same full coverage health care with the same expensive premiums. “The reality is that there is no one-size-fits-all solution to health insurance. Different people have different needs and preferences.” This section of the article really helped me understand what he meant, when explaining why Obamacare didn’t and never will work.
It depends on “multiple insurers and plans competing for customers.” When the coverage changes, people will struggle with “higher payments for increasingly restricted services”, which is even worse in many situations. Unlike McCardle’s solution is having both the universal and the free market plan for healthcare, Chaufan focused on just the free market one, which she continued to evaluating the pros of Medicare, or the single-payer system. First of all, it covers for everybody whether documented or not, on every needed services. Also, patients will have the choice in providers, which is more beneficial.
Many people believe healthcare reform is a bad idea and that the government should stay away from healthcare. However, there are many other people who believe that it is a great thing that the government got involved, and created programs to register for mandatory health-care. In, “Healthcare Reform 101”, author Rick Panning discusses some of the main goals of the Affordable Healthcare Act, which are universality, financing, cost reduction, payment reform, quality and process improvement, prevention and wellness.
“Healthcare Reform 101,” written by Rick Panning (2014), is a wonderful article that describes, in an easy-to-understand language, the Patient Protection and Affordable Care Act, signed into law March 23, 2010. The main goal of the Patient Protection and Affordable Care Act was to provide affordable, quality healthcare to Americans while simultaneously reducing some of the country’s economic problems. Two areas will be covered throughout this paper. The first section will include a summary of the major points and highlights of Panning’s (2014) article, including an introduction to the ACA, goals of the signed legislation, provided coverage, and downfalls of the current healthcare system. The second part will be comprised of a professional
Although this is under Obamacare exchanges, it shows that state-run exchanges can effectively control the cost of premiums. A state that has efficiently and effectively controlled the health insurance markets is California. Through their state-run exchanges, California has managed to control the type and price of care provided by setting up a system that required all health insurers to provide the same deductibles and benefits within each of their coverage levels (Scheffler, Para. 7). Their plan is set up so that “insurers in all marketplaces must offer a defined set of “essential health benefits” in all plans and may offer plans at four coverage levels: platinum…followed in descending order of cost and coverage benefits by gold, silver, and bronze. ”(Scheffler, Para. 7)
The United States should not have single-payer healthcare because it will lower the quality of health in the country. It will decrease the amount of new medicine created in the American medical field. It would also cause a large financial strain in the federal government having to pay for the healthcare of over 320 million people. It will also decrease the number of doctors in the field because there will no longer be the incentive to become a doctor. It will also cover individuals who have no desire to have a healthcare plan which will place a further burden on the government.
Why deny people care for their health? Overall the universal healthcare system would benefit the citizens of the United
The real debate is how can we accomplish the goal of universal healthcare in the most affordable and sustainable way. The United States is evaluated as a wealthy country, yet there are more penurious countries who provide health maintenance, paid through higher taxes. “In the United Kingdom and other European countries, payroll taxes average 37% - much higher than the 15.3% payroll taxes paid by the average US worker” (Gregory). With this data, the only reform would be to end the private health insurance companies of dominant health services, and incorporate a single payer system. Conversely, it is factual that taxes will rise, but the implementation of universal healthcare will better the health of American citizens.
The high cost and low quality of the current system creates the obvious reality that the status quo is failing. The government has tried a free-market and universal approach to the issue, and they have both failed to accurately combat the current problems. A Single payer system may, in fact, increase taxes, but it would help business which, in turn, would help the American economy as a whole. A single payer system is an effective way to completely eradicate the current problems. The issue of climbing premium would no longer be an issue under Single Payer policy, as it effectively circumvents the issues with risk in the health insurance market.
If you eliminate the insurance companies, cutting/controlling health care costs will be the next step, but at what costs. If we are restricted because we must be competitive with pricing, how can we protect and serve our patients. This not only hurts our patients, but our economy will be damaged as
Furthermore, the second editorial provides a brief glimpse into what will happen if a universal healthcare plan is instituted. This brief glimpse into a problematic future better justifies the claim stated in the second editorial. Editorial 2 more effectively argues its side and justifies its claims and reasons on the
The law that was intended to improve the status quo of health care has, in essence, caused a dangerous paradigm shift in health care costs. Fundamentally, the Affordable Care Act is a failed attempt to reduce health care costs in the United States. The Act was designed to increase affordability of health insurance for extremely low-income families; nevertheless, the Act exponentially increased health insurance costs for the majority of Americans. In America, majority rules-- why should health care be an
Expanding accessibility to affordable healthcare insurance is one way in which our country can begin to increase healthcare that is patient and family centered. One reason for existing disparities are the expenses associated with seeking healthcare. For some people, while the actual monthly payments of their health insurance is affordable, patients still face high deductibles or high out of pocket maximums. By making health insurance attainable for the majority of Americans, this alone is only the first step toward reducing some of the existing health disparities. Money alone is a factor that can deter people from seeking preventive treatment and screenings.
Health care should not be considered a political argument in America; it is a matter of basic human rights. Something that many people seem to forget is that the US is the only industrialized western nation that lacks a universal health care system. The National Health Care Disparities Report, as well as author and health care worker Nicholas Conley and Physicians for a National Health Program (PNHP), strongly suggest that the US needs a universal health care system. The most secure solution for many problems in America, such as wasted spending on a flawed non-universal health care system and 46.8 million Americans being uninsured, is to organize a national health care program in the US that covers all citizens for medical necessities.
It is very simple. Taxes will increase more than what they already are just so all individuals can have health care (Emanuel & Fuchs, 2005 and Healy, 2009). Best Objection: The major objection to this is also the primary point which is costs.