Sign Up Now
Get instant access to over 1 million+ study documents
OR
Already registered? click here to login
By creating your account, you agree to our terms of service, privacy policy and student honor code.
Affordable Health Insurance
The Need for State Participation in Health Care Insurance Exchanges to Provide for Affordable Health Care for Millions of Americans in Need
In the United States, we have basic rights to life and liberty. Yet, many major health care companies are infringing on those rights because they are exploiting health care insurance rates, which has left millions of Americans either underinsured or not insured all together. This puts their lives directly at risk with limited access to essential care. In order to best provide for their uninsured or underinsured citizens, states need to work with the regulations of the Affordable Care Act and open up exchanges to provide for affordable health insurance to the millions of Americans who are currently in need under the ineffective system that is operating today.
In the current situation, there is a lack of affordable health insurance options.
Moreover, health insurance companies have been allowed to abuse their power over their customers. Many deny coverage to those in need because of a pre-existing condition,...
There have even been reports of health care insurance encouraging physicians to do unnecessary procedures and tests so that overall the average co pay rises for patients. This is clearly a breech in trust, and illustrates how many health care insurance companies are taking advantage of vulnerable patient populations for profit.
This has left millions uninsured or underinsured, which leaves them open to incurring massive amounts of medical debt and limited access to appropriate care.
In 2007, there were over 47 million Americans without health insurance, and millions more who were underinsured (Paddock, 2007). This number was steadily increasing until very recently. Without the states helping, there was simply no way for all Americans to get the insurance they need at such high prices.
States need to begin building the affordable insurance exchanges, as provided for in the Affordable Care Act, in order to better provide appropriate levels of healthcare to the majority of Americans who need it at more affordable premiums. The Affordable Care Act puts in place measures that provide for states to offer exchanges. This is one of the most usable and beneficial measures found within the act itself because it allows for…
References
Health Care for America Now. (2009). Health Insurance Company Abuses: How the Relentless Drive for Profit Endangers Americans. Web. Retrieved November 26, 2012 from http://hcfan.3cdn.net/48b73f19dac6bc9fa7_vzm6iijoh.pdf
Paddock, Catherine. (2007). 47 million Americans without health insurance, census report. Medical News Today. Web. Retrieved November 26, 2012 from http://www.medicalnewstoday.com/articles/80897.php
State of California. (2012). Stakeholders. California Benefit Exchange. Web. Retrieved November 26, 2012 from http://www.healthexchange.ca.gov/StakeHolders/Pages/Default.aspx
The White House. (2012). Affordable Care Act: The New Health Care Law at Two Years. Care Act. Web. Retrieved November 26, 2012 from http://www.whitehouse.gov/sites/default/files/uploads/careact.pdf
What this in essence means is that the patient would not be able to choose his own brands of medication; he must only buy what the committee has recommended, otherwise, he would lose out on his health insurance payments. A woman who faced a problem similar to that mentioned above talks about her experience as a diabetic. She said that when the health insurance company stated that they would be
Affordable Health Care Act Impact of the affordable health care act The affordable health care act, commonly referred to as Obamacare, brought a set of health care reforms aimed at making health consumers to be responsible for their health care. The act brought into law the patient's bill of rights, which gives Americans stability and flexibility in making informed health choices and decisions. Enacted by President Obama in 2010 as the Affordable
As Block, Bustamante, de la Sierra and Cardoso (2014) point out, there are more than 12 million Mexican immigrants in the U.S. who have no realistic access to affordable care, as nearly half of them are uninsured. Indeed, access to quality care is next to impossible for all groups with a low-socioeconomic background (Sherrill, Crew, Mayo et al., 2005). The Affordable Care Act (ACA) was meant to provide greater access
Health Insurance in the U.S.: Health insurance has become an important part in the modern health care system even before the American government started to discuss the issue of compulsory medical insurance. Actually health insurance has asserted itself through the ever-increasing number of customers seeking for these services as well as through advertisements. The new customers tend to share information on the benefits of health insurance with their friends. This in
The administration and operating costs should be reduced to 20% of the premium earned. The 80% of the expenses should be spent on providing healthcare services to the holders of health insurance. The law further states that in case the insurance organizations fail to follow they are required to rebate the insurance premium to consumers. The unreasonable premium increase will not allow the companies to mint profits. They will
Health Insurance Portability and Accountability Act (HIPAA) Discuss whether there has been a violation of Health Insurance Portability and Accountability Act (HIPAA)? There are no court rulings that can shed light on the issue. However going by the given facts, it is as follows: "Dr. Williams shows Joan's medical records to a friend for advice. His friend tells Dr. Williams to contact his medical malpractice insurance carrier." The problem here is if