Health Essay Research Paper Should the United
Health Essay, Research Paper
Should the United States adopt a Universal Health coverage system? Germany, the Netherlands, Japan, and in the United States Hawaii, all use a system of wellness attention that is cosmopolitan, comprehensive, and private. In, 1993, President Clinton proposed a program for cosmopolitan wellness insurance. Since so oppositions have managed to suppress the program while guaranting the populace that while they supported the thought in rule, they merely wanted to box it in a better manner. Major alterations in the present health care system will hold effects for about all Americans, as would the determination non to reform the system. The political relations of wellness attention involves at least four different interrelated facets. The United States should follow a Universal Health-Care system based on ; the rate at which wellness attention costs have risen in recent old ages, the big figure of Americans without wellness insurance coverage, the disproportionate attention based on racial and a socioeconomic divide and an aging population. The facet of the healthcare issue that is most seeable is the cost of medical attention in the United States. The cost of wellness attention in America is the highest in the universe when measured either as a per centum of gross national merchandise or as cost per individual. The wellness attention costs in the United States are estimated to near $ 2 trillion dollars by the terminal of 2000. This is more than $ 3 billion per twenty-four hours, or $ 3600 per individual. Healthcare costs in the United States have increased three to four times the rate of rising prices. An mean American who spends 11.1 % of their income on medical attention can anticipate that figure to increase to a astonishing 17 % in the following 15 old ages. One can impute skyrocketing wellness attention costs to the administrative costs of insurance companies. There are about 1500 insurance companies utilizing a bewildering array of signifiers and processs in treating claims. One estimation is that this administrative system costs more than $ 100 billion per twelvemonth. This means that between 10 and 15 per centum of wellness attention disbursal & # 8217 ; s consequence from the costs of treating claims for reimbursement. More than any other facet of the healthcare issue, it is cost that is driving the argument about the demand for reforms. The 2nd facet of the health care reform issue is coverage. Most Americans have moderately good health care insurance, provided most frequently by their employer. However, a important figure of Americans, estimated at around 49 million, have no health care insurance. Most are working people ( and their dependants ) whose occupations do non supply wellness insurance as a periphery benefit. Other uninsured persons are unemployed or work portion clip. Businesss have reacted to quickly lifting wellness attention costs by cut downing insurance coverage and benefits and by increasing the employees & # 8217 ; portion of wellness costs. Extension of wellness benefits to 1000000s of uninsured Americans will hold important deductions for the allotment of wellness attention in the United States. Another facet of health care reform is the disproportionate attention based on racial and socioeconomic divide. Most aged and retired citizens are insured through Medicare. Highly hapless citizens are insured through the Medicaid plan. Medicaid cost coverages for the hapless are lifting, and province authoritiess are scrambling to happen the money to pay them. Under fiscal force per unit area, provinces have changed eligibility demands to do it more hard for the hapless to qua
lify for Medicaid. The result is that less than 42 percent of poor people are eligible for Medicaid, even though their family income is well below the poverty level. The poor, which represent not only minorities but the “working poor,” further suffer from the lack of preventive medicine and prenatal care. American minorities lack healthcare coverage the most. It is estimated that 40 million minorities have no healthcare insurance. Unlike Americans who are employed in well-paying jobs with good fringe benefits including health care insurance, minorities who are self-employed, who work part time, or who work in low-paying, low-benefit jobs have very limited coverage or none at all. Many of these minorities would have great difficulty paying for private health insurance, even if it were available. The last aspect of healthcare reform is the issue of our aging population. As more Americans live longer, the number of elderly citizens has increased, producing a greater demand for health care. Elderly people have more illnesses, need more health care, and require more costly health services. The average elderly American spends up to $350 monthly on medications alone. The aging of America’s large middle-aged generation (the “baby boomers” born shortly after World War II) will produce another surge in demand for health care early in the twenty-first century. Because of the impending aging of the “baby boomers” the Medicare system cost is estimated to triple. Opponents of Universal Health Care reform claim that the plans are economically unsound, that competition would be eradicated and that Medicaid would need to be rationed. Why then is Hawaii’s universal coverage not led to soaring healthcare costs? Insurance premiums in Hawaii are below average and only about half the cost of the most expensive states. The insurance industry has been successful in preventing natural competition and the laws of supply and demand from operating. Insurance companies enjoy windfall profits by exploiting consumers who have no choice but to pay the higher prices. Opponents prey on public fears that a government run plan would eradicate competition in the health care industry. A deceptive ploy, for no competition ever existed to begin with. And yet another tactic to oppress universal healthcare reform is that care through the Medicaid system would need to be rationed. They claim that health care for the poor will be allocated based on the ranking of various services on a priority list and on the amount of money available. Opponents claim, for example, organ transplants would not be paid for by the state. A ludicrous claim intended to invoke fear that, ironically, the people most in need of health care would suffer. Unfortunately, the forecast is for rising numbers of uninsured Americans. Several bills in Congress have attempted to plug the holes that now exist in the leaking roof of our current health care system. Perhaps if the uninsured reached a critical mass, as they might in a bad recession, Congress would move more swiftly to a resolution. By instituting a Universal Health Care coverage system healthcare costs would decrease, all Americans would have health insurance, care given would be proportionate to all races and economic classes and our aging population would have the Medicaid resources needed in the future. Every other developed country offers universal care. We’ll get there someday, but a lot of suffering will occur first.