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Health care in the United States

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  1. Introduction.
  2. The high number of uninsured individuals.
  3. The case of Amy Barr.
    1. The difficulties of health insurance.
    2. Diagnosed with COPD and fibrosis.
  4. The case of Kelly and Tim Argo.
    1. Forced to rely on private insurance.
  5. Rise in the number of uninsured individuals.
  6. The report by John Graves and Sharon Long from The Urban Institute.
  7. The economic and social consequences of being uninsured.
  8. The problems created by the lack of health insurance and the 2008 presidential elections.
    1. The democrats preference to universalize health care.
    2. The Republican Party's believe that it is the individuals responsibility to find and acquire health insurance.
    3. The lack of a definite solution that can eliminate the problems created by the lack of insurance.
  9. Conclusion.

There is not sufficient health insurance for every citizen to have access to adequate and quality health care. This is a pressing concern for 47 million Americans (Bacon). This is also a concern for employers providing health insurance to their employees and to employees that do not have access to health insurance or do not qualify or are unable to afford it. The lack of health insurance costs lives, money and time (Graves, Long). Uninsured individuals miss work that could have been prevented through care and treatment provided though health insurance. The most tragic consequences are the preventable deaths that occur each day. As a whole the uninsured population cost their employers and tax payers millions of dollars each year in reactive care, and lower workplace productivity (NCHC). The high number of uninsured individuals is caused by the high cost of private insurance, the high cost of premiums for both employees and employers (Cohen). The difficulty of meeting personal health requirements through individual companies also contributes to the high number of uninsured Americans. If this number is not lowered and actions are taken to keep it from rising again, their will be a dramatic increase of uninsured individuals and the money set aside by the government to aid the uninsured will not be enough, overwhelming the already fragile health care system.

[...] Kelly and Tim Argo favor a universal health care system paid for through the government and the individuals. This plan would lower the cost of heath insurance for every individual regardless of income and it would ensure that everyone would receive the same quality of care. However, as Karen Davis points out in her report Uninsured in American: problems and possible solutions, the federal budge it is deficit. Funding universal coverage would require a raise in taxes, but it would also reevaluate how the government spends its tax revenue. [...]

[...] The National Coalition on Health Care provides some facts and figures on the reasons for the increases in the uninsured population in America. Many employees are simply not offered health insurance due to companies trying to reduce their costs; more than one third of all companies in the U.S. did not offer health insurance in 2005 according the NCHC. The rising cost of premiums affects both the employee and the employer in providing and obtaining heath insurance. The cost of premiums raises about twelve percent per year (NCHC). [...]

[...] However, only of workers have employment- based health insurance, with fifteen percent having no access to employee- sponsored health coverage (NCHC) million workers have access to employee-sponsored health care but can not afford the premiums (NCHC). Only of U.S. children do not have health insurance, but 30% of young adults (18-24) do not have health insurance (NCHC). This age group continues to be the largest percentage of the uninsured population by age group. The Hispanic population continues to be the largest ethnic group without insurance with of all Hispanics uninsured (NCHC). [...]

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