U.S. Health Insurance Industry Essay

I. Brief Overview

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In the past 10 ( 10 ) old ages. wellness costs in America have soared to record degrees while more and more Americans are uninsured and entree to quality wellness attention becomes more debatable. Unemployment rates. higher insurance premiums. a rise in chronic unwellness countrywide and less than effectual efforts to repair the job such as Obama attention and alterations in Medicaid merely exacerbate the job.

Harmonizing to the Center on Budget and Policy Priorities. “poverty rates in 2010 were the 2nd highest in 45 old ages. The degree of individuals falling below the poorness rate is 2nd merely to the degree in 1965. The rate in 2010 reached a degree of 15. 1 % of all American resulting in one ( 1 ) and seven ( 7 ) Americans falling below an income of $ 22. 314 for a household of four ( 4 ) ” ( Trisi et. Al. 2011. p. 1 ) . The study besides stated that. “in 2010. the figure and portion of Americans who lived below half of the poorness rate ( $ 11. 157 for a household of four ( 4 ) ) reached its highest degree on record. Some 20. 5 million people. about 6. 7 % of the population. had incomes this low” ( Trisi et. Al. . 2011. p. 1 ) .

There is no uncertainty that Numberss such as these reveal people without sufficient income which places a significant load on the national wellness attention system. Obtaining equal wellness attention services goes by the roadside when meeting rudimentss necessities such as lodging. vesture and nutrient becomes the precedence for destitute households. Furthermore. such Numberss topographic points a enormous strain on health care suppliers due to a deficiency of sufficient support and increases insurance premiums for those who can pay to cover uninsured and underinsured Americans. Often times. individuals without the ability to pay for health care accordingly lack the ability to entree needed preventative and/or quality health care services therefore impacting the incidence of chronic unwellness such as bosom disease. diabetes and childhood fleshiness.

II. Rise in Uninsured and Underinsured Americans

In 2010. non merely did we see a drastic figure of Americans without the ability to pay for quality wellness attention services. but 2010 besides reflected a decrease in the figure of individuals on employer-sponsored health care coverage. Harmonizing to The Economic Policy Institute ( 2011 ) . “the recession ended in 2009. labour markets continued to deteriorate beyond this twelvemonth. Unemployment rates increased from 9. 3 % to 9. 6 % in 2010 and long term unemployment rates ( unemployed more than 27 hebdomads ) rose 31. 2 % to 43. 3 % during the same period. Employment-based wellness insurance coverage for individuals under the age of 65 old ages eroded in nine of the last 10 old ages including a. 07 % bead from 59. 4 % to 58. 6 % in 2010” ( Gould. 2011 p. 1 ) . The besides reported the following from 2000 to 2010 ( Gould. 2011. pgs. 1-4 ) :

• 49. 1 million Americans under 65years of age were uninsured. • Number of employer insured Americans dropped from 69. 1 % to 58. 6 % . • Number of employer insured Americans Under age 18 dropped from 66. 7 % to 54. 6 % . • Lowest figure of Americans covered under an employer insured plan was between the ages of 18-24 old ages • Ratess for Americans under the age of 18 and 18-24 old ages would be much higher if non for the transition of health care reform and the Recovery Act of 2009.

With the lessening of individuals covered under employer sponsored health care coverage. emphasis placed on public aid and government-sponsored health care systems has merely increased during the same clip period. Theses figures besides reveal that for many populations. stable wellness insurance does non be for them. Today. unemployment rates stand at 8. 3 % harmonizing to Bureau of Labor Statistics ( Bureau of Labor Statistics. 2012. p. 1 ) .

Datas extrapolated by race besides shows more concerning tendencies. Harmonizing to a briefing released by the U. S. Department of Health and Human Services. Office of the Assistant Secretary for Planning and Evaluation ( 2011 ) . “ three ( 3 ) out of every 10 individuals of Latino beginning are uninsured ( 30. 7 % of all uninsured ) . while 20. 8 % of all uninsured were African American and merely 11. 7 % uninsured where white. non-Hispanic” ( U. S. DHSS. 2011. p. 1 ) . Based on these figures. 88. 3 % of all uninsured Americans are comprised of some minority group.

III. Healthcare Costs: Fiscal and Strive on Public Systems

In the past decennary. health care costs have risen dramatically while uninsured Americans have progressively burdened public systems. It is estimated that by “2016. entire wellness disbursement will make $ 2. 1 trillion. From 2006-2007. employer provided health care premiums rose 6. 1 % nationally. Spending in the U. S. on health care in 2006 was twice every bit much per capita when compared to states such as Australia. Canada. United Kingdom and Germany” ( Alliance for Health Reform. 2012 ) .

In most instances. uninsured individuals can non pay for or merely pay a part of a health care they seek. Often times. such attention is delayed from the oncoming of symptoms they ab initio experience. Healthcare sought by such persons is by and large sought on an exigency footing. Due to a deficiency of full payment. unsalaried health care costs have immensely increased over the old ages. In 2008. the Kaiser Commission found that “Uninsured people paid for approximately $ 30 billion in health care costs. yet they received more than $ 56 billion in attention in the U. S. Federal and province authoritiess cover at least 75 % of all unsalaried attention. supplying some $ 43 billion to healthcare suppliers in order to defray costs” ( Kaiser Commission. 2008. p. 1 ) . In the terminal. such dollars are paid either through a shifting of costs to consumers paying higher insurance premiums or higher federal or province revenue enhancements.

Ultimately. State and local governmental budgets have become strained by the current health care system. but local service suppliers have become taxed as good. For illustration. many uninsured Americans utilize infirmary exigency suites as mundane health centres seeking intervention for the common cold to catastrophic unwellness or hurts. A survey conducted by The American Academy of Pediatrics in 2004 found that good over “100 million Americans ( 30 million kids ) seek and receive attention in an exigency room yearly.

Over the old ages. exigency room usage by destitute individuals has become everyday which has saturated our exigency suites across the state. Such a rise was prompted in 1985 by the transition of the Emergency Medical Treatment and Active Labor Act which efficaciously prevented the “dumping” of individuals who present themselves for intervention at an exigency room but can non pay” ( American Academy of Pediatrics. 2004 pgs. 1-4 ) . Basically. the Act requires all Medicare receiver infirmaries to handle all individuals irrespective of their ability wage. The survey found that such “hospitals incur about $ 425 million in exigency suites disbursals annually” ( American Academy of Pediatrics. 2004 p. 4 ) .

IV. Chronic Disease on the Rise in America/Accessibility Issues Prevail

Chronic disease such as bosom disease. malignant neoplastic disease. diabetes and fleshiness is at epidemic proportions in America. Uninsured Americans clearly are at higher hazard for chronic unwellness due to a deficiency or hold in attention in many instances where they do non have both preventative and quality attention. A study issued by the Center for Disease Control and Prevention revealed “one ( 1 ) in every 3 grownups are corpulent and one ( 1 ) in every five ( 5 ) kids between the ages of 6 and 19 old ages of age are obese” ( Center for Disease Control and Prevention. dateless. p. 1 ) . Another study by the Center stated that “childhood fleshiness has more than tripled in the last 30 old ages. The figure of kids between the ages of six ( 6 ) and 11 who were corpulent was seven ( 7 ) per centum in 1980 and in 2008 ; the figure had risen to 20 % ” ( Center for Disease Control and Prevention. dateless. p. 1 ) .

In 2011. The Center issued a study saying that “From 2006 to 2010. age-adjusted coronary bosom disease prevalence in the United States declined overall from 6. 7 % to 6. 0 % . Similar diminutions were observed across age group. sex. and instruction classs. Among racial/ethnic populations. diminutions from 2006 to 2010 were observed among Whites ( 6. 4 % to 5. 8 % ) and Hispanics ( 6. 9 % to 6. 1 % ) . But such diminutions did non happen in African American population” ( Center for Disease Control and Prevention. 2011. p. 1 ) .

But for the uninsured. the prevalence of chronic disease is more profound and their handiness to needed medical attention is debatable. Both state of affairss create a cyclical consequence that feeds off of each other which farther additions health care costs in the United States. A survey funded by the Robert Wood Johnson Foundation found that “the uninsured were 27 % more likely to endure from a chronic disease as compared to their insured opposite numbers. Furthermore. the study revealed that “of the 15. 6 million uninsured grownups in the U. S. : ( 1 ) 49 % of them with a chronic status forego intervention or prescriptions and ( 2 ) 40 % have unmet demands for dental care” ( Davidoff et al. 2005. p. 17 ) . Clearly. uninsured Americans who suffer from a chronic unwellness fail to seek or obtain the needed medical attention they need.

Mention Page

Trisi D. . Sherman A. . Broaddus M. ( 2011. September 14 ) Center for Budget and Policy Priorities. Poverty Rates Second Highest in 45 Old ages ; Record Numbers Lack Health Insurance. Lived in Deep Poverty. Retrieved from: http/www. cbpp. org/cms/indes. cfm? fa=view & A ; id=3580

Gould E. ( 2011. September 13 ) The Economic Policy Institue. 2010 Markss another twelvemonth of diminution for employer-sponsored wellness insurance coverage. Retrieve from: hypertext transfer protocol: //www. Eysenck Personality Inventory. org/publication/2010-marks-year-decline-employer-sponsored/

U. S. Department of Health and Human Services. Office of the Assistant Secretary for Planning and Evaluation ( 2011 ) Overview of the Uninsured in the United States: A Summary of the 2011 Current Population Suvey. Retrieved from: hypertext transfer protocol: //aspe. Department of Health and Human Services. gov/health/reports/2011/CPSHealthIns2011/ib. pdf

Alliance for Health Reform ( 2012. March 9 ) A Reporter’s Toolkit: Health Care Costs. Retrieved from: hypertext transfer protocol: //www. allhealth. org/publications/cost_of_health_care/health_care_costs_toolkit. asp

Hadley J. Coughlin T. Holahan J. Miller J. ( 2008. August ) . Covering the Uninsured in 2009. Kaiser Commision. Retrieved from
hypertext transfer protocol: //www. kff. org/uninsured/upload/7810. pdf

American Academy of Pediatrics ( 2004 ) . Overcrowding Crisis in Our Nation’s Emergency Departments: Is our Safety Net Unraveling? . Retrieved from hypertext transfer protocol: //aappolicy. aappublications. org/cgi/content/full/pediatrics ; 114/3/878

Bureau of Labor Statistics. ( 2012. March 9 ) . Economic News Release. Retrieved from hypertext transfer protocol: //www. bls. gov/news. release/empsit. nr0. htm

Center for Disease Control and Prevention. ( dateless ) . Chronic Diseases are the Leading Causes of Death and Disability in the U. S. . Retrieved from: hypertext transfer protocol: //www. Center for Disease Control and Prevention. gov/chronicdisease/overview/index. htm # ref4

Center for Disease Control and Prevention. ( dateless ) . Childhood Obesity Facts Retrieved from: hypertext transfer protocol: //www. Center for Disease Control and Prevention. gov/healthyyouth/obesity/facts. htm

Center for Disease Control and Prevention. ( 2011. October 14 ) . Prevalence of Coronary Heart Disease — United States. 2006—2010. Retrieved from: hypertext transfer protocol: //www. Center for Disease Control and Prevention. gov/mmwr/preview/mmwrhtml/mm6040a1. htm

Beginning: Davidoff A. . Kelley G. ( 2005 ) . “Uninsured Americans with Chronic Health Conditions: Cardinal Findingss from the National Health Interview Survey” . Robert Wood Johnson Foundation. Retrieved from hypertext transfer protocol: //www. urban. org/uploadedpdf/411161_uninsured_americans. pdf


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