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104 Health Insurance Essay Topic Ideas & Examples

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Health insurance is a vital aspect of maintaining one's overall well-being and financial security. As such, it is important to stay informed about the various aspects of health insurance, including coverage options, costs, and benefits. To help you better understand this complex topic, here are 104 health insurance essay topic ideas and examples that you can use for your research or writing assignments.

• The importance of health insurance in modern society
• Types of health insurance plans: HMO, PPO, EPO, POS
• How does health insurance work?
• The Affordable Care Act and its impact on health insurance coverage
• Health insurance for seniors: Medicare vs. Medicaid
• The role of health insurance in preventive care
• Health insurance coverage for mental health services
• The rising cost of health insurance premiums
• The benefits of employer-sponsored health insurance
• Health insurance for small businesses
• Health insurance coverage for pre-existing conditions
• The impact of COVID-19 on health insurance coverage
• Health insurance options for freelancers and gig workers
• Health savings accounts (HSAs) and their role in health insurance
• The ethics of denying coverage for certain medical treatments
• The role of health insurance in reducing healthcare disparities
• Health insurance coverage for alternative medicine and holistic treatments
• The impact of lifestyle choices on health insurance premiums
• The role of health insurance in promoting healthcare access for all
• The pros and cons of private vs. public health insurance
• Health insurance coverage for maternity care and childbirth
• The rising cost of prescription drugs and its impact on health insurance
• The role of health insurance in managing chronic conditions
• Health insurance coverage for dental care and vision services
• The impact of changing job markets on health insurance coverage
• The role of health insurance in promoting healthy behaviors
• Health insurance coverage for transgender individuals
• The impact of mental health parity laws on health insurance coverage
• The role of health insurance exchanges in expanding coverage options
• Health insurance coverage for long-term care services
• The impact of medical bankruptcies on health insurance coverage
• The role of health insurance in promoting healthcare innovation
• Health insurance coverage for telemedicine services
• The impact of insurance mergers on health insurance coverage
• The role of health insurance in promoting patient-centered care
• Health insurance coverage for genetic testing and personalized medicine
• The impact of high-deductible health plans on health insurance coverage
• The role of health insurance in promoting health equity
• Health insurance coverage for addiction treatment services
• The impact of insurance fraud on health insurance coverage
• The role of health insurance in promoting healthcare transparency
• Health insurance coverage for preventive screenings and vaccinations
• The impact of healthcare reform on health insurance coverage
• The role of health insurance in promoting patient safety
• Health insurance coverage for emergency medical services
• The impact of technology on health insurance coverage
• The role of health insurance in promoting patient empowerment
• Health insurance coverage for home health care services
• The impact of malpractice lawsuits on health insurance coverage
• The role of health insurance in promoting healthcare quality
• Health insurance coverage for international travel
• The impact of medical tourism on health insurance coverage
• The role of health insurance in promoting healthcare affordability
• Health insurance coverage for complementary and integrative medicine
• The impact of data breaches on health insurance coverage
• The role of health insurance in promoting healthcare efficiency
• Health insurance coverage for mental health first aid training
• The impact of natural disasters on health insurance coverage
• The role of health insurance in promoting healthcare sustainability
• Health insurance coverage for telepsychiatry services
• The impact of environmental factors on health insurance coverage
• The role of health insurance in promoting healthcare resilience
• Health insurance coverage for palliative care services
• The impact of social determinants of health on health insurance coverage
• The role of health insurance in promoting healthcare accountability
• Health insurance coverage for genetic counseling services
• The impact of political factors on health insurance coverage
• The role of health insurance in promoting healthcare governance
• Health insurance coverage for mindfulness-based interventions
• The impact of economic factors on health insurance coverage
• The role of health insurance in promoting healthcare leadership
• Health insurance coverage for integrative health coaching services
• The impact of social media on health insurance coverage
• The role of health insurance in promoting healthcare advocacy
• Health insurance coverage for art therapy services
• The impact of artificial intelligence on health insurance coverage
• The role of health insurance in promoting healthcare activism
• Health insurance coverage for music therapy

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Health Insurance - Essay Samples And Topic Ideas For Free

Health insurance is a pivotal mechanism that enables individuals to access necessary medical care without facing financial ruin. Essays could delve into the intricacies of health insurance systems, exploring the various models adopted by countries to provide healthcare coverage to their populations. They might also discuss the implications of health insurance on healthcare quality, accessibility, and affordability, exploring the challenges faced by uninsured or underinsured individuals. Discussions might extend to the debates surrounding health insurance reforms, the impact of employer-sponsored insurance, and the emergence of new models like high-deductible health plans and health savings accounts. The discourse may also touch on the role of health insurance in public health outcomes, and how it intersects with broader socio-economic and policy issues. We have collected a large number of free essay examples about Health Insurance you can find in Papersowl database. You can use our samples for inspiration to write your own essay, research paper, or just to explore a new topic for yourself.

Supply of Mental Health Insurance Coverage

Introduction Affordable medical care provisions offers the best services for mental health, this is after the introduction of the Affordable Care Act. The act requires that all individuals and employers subscribe to the insurance benefit plan. Purity in mental health acts like a rectifier of unfairness in the health insurance. However due to the increasing mental problems the total spending has increased, based on results from the health insurance companies (Schroeder, 2012). Another evidence has suggested and found it prudent […]

The ACA’s Role in Transforming American Health Insurance

One of the main challenges facing the American healthcare system is the high number of the uninsured patients. Prior to the adoption of the Affordable Care Act (ACA), a larger number of Americans were uninsured. However, with its adoption, historic gains in Medicaid coverage to a several low-income households were achieved and it provide Marketplace subsidies to people under 400% of poverty line. It effectively reduced the number of the uninsured from a massive 44 million individuals in 2013 to […]

Medicare for all

Health Care, something every person must have but yet it is something that can be very difficult for some to obtain. With a service that is so essential in life, it would seem that we would have found better ways to serve people's needs without creating just a huge financial burden. Companies and people in positions of power have been and are currently trying tirelessly to find ways for healthcare to become more feasible for the average American household to […]

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California Health Insurance Fairness Act

Overview of health problem In the modern society, health insurance is an imperative issue that helps with the firm address of major activities to be carried out. The identification of ardent activities that would drive the health service providers to have a package of insurance has led to a great level of difference in the society. While there are employers who have the capacity to provide their employees with the health insurance and certain benefits, there are others who do […]

Effects of Health Insurance on Labour Mobility

The risk on whole or part is covered by insurance of a person incurring on a person due to expenditure of medical related issues, saturating risk over certain number of people either large or small. The individual who purchases the protection of insurance has to make a minimum amount of per monthly payment, known as "premium". The details of the premium are provided in the insurance agreement by a firm which provides the service of insurance. At the most fundamental […]

Economic Benefits of Euthanasia

Euthanasia is assisted suicide, it is an action taken by a doctor with consent of the patient in order to relieve immense pain and suffering. However, is the overall process of Euthanasia beneficial for the economy? Based on research, euthanasia is beneficial to the economy, and saves a vast amount of money for families for hospital stays, private insurance companies, taxpayers, and medicare each year. For a hospital stay, the average cost per inpatient day is $2,534.00 for a local […]

Running Head Health Insurance Specialist

Abstract A health insurance specialist is a connotative term used to describe professionals in the health insurance field who are tasked with the responsibility of processing medical claims, keeping patients records as well as medical coding. They can also be known as medical coders, claims reimbursement specialists, medical assistants, and medical technicians and even claim examiners. One of their main responsibilities is to ensure that the correct premiums are paid but also the coinsurance, copayment by the ensured patient while […]

Health Insurance Market Structure

One of the main issues with the health insurance market in the U.S. is the nature of the market itself: oligopoly market. In America, health insurance markets are usually extremely concentrated with a single insurer commanding almost 50 percent of the market (Clemens 121). This nature of market correlates with cost, quality, and availability of health insurance and medical care. The health insurance industry as well as the hospital industry market structure might be the misery behind the skyrocketing medical […]

Biomedical Ethics

Most advanced democratic societies provide for the right to health care. This is ensured since the entire population deserves public health protection against injury and disease. Furthermore, life security on medical issues is critical for the optimal functioning of individuals and communities. Institutions are often set up to assure individuals with no financial capability access to healthcare services. Despite not having life insurance cover, United States citizens from the poor and middle classes are afforded the right to emergency services. […]

Health Care Finance and Reimbursement

Revenue Sources and Purpose Medicare is a federal program that was created to pay for health care for elderly Americans as well as younger ones with disabilities. At age 65, automatic enrollment is initiated. It covers 49 million people, of whom a little more than 8 million are disabled and just over 40 million are 65 years or older (Casey, 2015). Payroll taxes and other government disbursement is utilized for coverage. Medicare is very helpful for the aging population as […]

The Patient Protection and Affordable Care Act

Introduction The three main objectives of the Patient Protection and Affordable Care Act, signed in October 2010, include the following: reforming the private insurance market, mainly for individuals and small group purchasers; expanding Medicaid to the working poor, whose maximum income is around 33 percent of the federal poverty level; and altering the way medical decisions are made in the country (Silvers, 2013). These three objectives are primarily determined by private choices rather than government regulation, with the expectation that […]

Issues in the Medical World

Introduction There is plenty of debate in the United States on the exclusion of the illegal immigrants from the healthcare insurance. There is plenty of argument from the white legislators that are in support of this. Their rationale is to first of all reduce the number of illegal immigrants in the United States. FAIR and CIS are two institutions that have been quite vocal on the media on the issue. They believe that the debate on health care insurance for […]

Making Healthcare Inclusive

Healthcare system- a mechanism which is sophisticatedly defined as a structure consisting of various participants to deliver services to meet the health needs of people, historically, could be viewed as being unfortunately biased. Biased: almost always on the basis of money, sometimes power, caste, and often on the basis of gender and sexuality. The LGBT community has been one of the victims of this gruesome discrimination in accessing healthcare over the years and centuries. The origin of the lack of […]

“The Immortal Life of Henrietta Lacks” by Rebecca Skloot

The book “The Immortal Life of Henrietta Lacks”, written by Rebecca Skloot, focuses on three parts: Life, Death, and Immortality. It is about an African American woman named Henrietta Lacks, who died from cervical cancer. Lacks was married to David Lacks and mother of five children. Before her death doctors at Johns Hopkins Hospital collected samples of her cells without her or her family’s consent. The cells were obtained for the purpose of doing research and experiments. Cultured by Dr. […]

Medicare and Home Health Care

The health care system faces many issues and concerns when treating patients. One of the many issues are readmission rates. Patients are often treated then return to the hospital again with relapse, recurrence of illness, or new deterioration of condition. Readmission rates put a very big burden on the medical system and health insurances. According to data from the Center for Health Information and Analysis, “Hospital readmissions cost Medicare about $26 billion annually, with about $17 billion spent on avoidable […]

Medicare in the United States

Access to affordable healthcare is a huge issue in America. Whether Americans are dealing with huge amounts of medical debt, are trying to find insurance that will provide adequate coverage, or trying to find insurance that they can afford, millions of Americans deal with issues regarding getting quality healthcare daily. According to the United States Census Bureau, “in 2018, 8.5% of people, or 27.5 million, did not have health insurance at any point during the year” (Berchick). This statistic does […]

Health Care to the Uninsured and Undocumented Population

Imagine working hard all year, no vacation, Monday through Sunday, probably even 2-3 jobs and still not having enough to make ends meet. On top of this, if you get sick or your family gets sick, there’s nothing that you can do because medical care is obviously way out of your price range. Not to mention, you don’t have the option of paying for health insurance. Now, stop imagining because this is the reality that some Californians are facing. Even […]

Risk Management and Insurance

As people, we are faced with the possibility of loss in our everyday lives. Be it a car accident, illness, Property loss, or even death. As early as the millennia B.C, modern profit insurance was demonstrated in a contract of a loan of trading capital to traveling merchants. The first insurance company formed in the United States was in Charleston, South Carolina during 1732. Later in 1752, Benjamin Franklin helped spread insurance by creating the Philadelphia Contributionship which ensured that […]

Individual Life Insurance

A company's cultural beliefs and work environment greatly affects employees. When a company embraces diversity, employees and the business benefit immensely. This benefit is then reflected to the client though customer service and by the good or services provided. Today, Americans have the option of choosing from a wide array of insurance carriers for life, health, and car insurance. It is through a company's organizational culture that customers will decide what organization their policy will be obtained with. Globe Life […]

The Ongoing Political Debate over LGBTQ Health Care

The ongoing political debate over Health Care Reform has been unfolding for over a century. Lately, the focus has been on discontinuing the Affordable Care Act (ACA), and its impact on specialty populations inside our community. It is not surprising how the pro’s and con’s of this topic is so heavily debated, due to the variety of cultures and diversities classified as “specialty populations” in the United States. When discussing this topic, one must be able to differentiate and fully […]

You May not Need Big Data

In the article You May Not Need Big Data After All, 7-Eleven a prime example that empowering employees with the use of little data needed can help salesclerks make better operating decisions on a daily basis. This concept can also cause a continuing stream on innovation, and successively have a really successful business like 7-Eleven (Ross, Beath & Quaadgras, 2013). I accept as true with many aspects within the article; however, I don’t think big data should be ignored entirely. […]

Health Exchange Paper 

The Kaiser Family Foundation is a non-profit organization that helps to provide information on important health policy issues involving the United States' role in health insurance. When first looking at the website, it seems like there's a lot of information to begin with and you don’t know where to start. After looking around the website, there's a tab that gives you options to click on giving you a lot of information on different topics including Disparities Policy, Global Health Policy, […]

Medicare is very Beneficial for the United States

Politics surrounding healthcare have always been a very controversial topic amongst the public and political officials. Topics such as lowering healthcare costs, the ability of hospitals to merge, and most importantly the move towards universal coverage are highly researched and gravitate a lot of attention. More specifically, universal coverage is very popular and appealing towards the vast majority of Americans. The reason why universal coverage is popular is due to the fact that the American population face major amounts of […]

The Benefits of the Affordable Care Act to Students in American Colleges

Politics. Something not often brought up in conversation unless you are looking to argue or make a crowd uncomfortable. Politics is also a confusing world, much like college is. As a college freshman I can attest to college being a confusing, but exciting place where you develop yourself and discover the "real" world. The Affordable Care Act has given the healthcare insurance world the same feeling as college is for me. The act was enacted in 2010 and affected not […]

Infertility Coverage

The problem to be addressed is the lack of mandate for insurance companies to provide coverage for infertility treatments on a national scale. Approximately ten percent of women in the United States who are of childbearing age have received professional help for infertility. However, only eleven out of the fifty states mandate coverage in the Individual Market and only fourteen states mandate to cover or offer in the Small Group Market (State Health Facts, 2019). This is an important issue […]

Demystifying HIPAA: more than Just an Acronym

In today's digital age, where information flows freely and rapidly, there's a heightened emphasis on the protection of personal data. This concern becomes paramount when the information in question is our health records. Enter HIPAA. To the casual observer, HIPAA might just be another governmental acronym, but delve a bit deeper, and you'll discover it's a crucial piece of legislation designed to safeguard our most intimate data. But what does HIPAA truly mean for patients, healthcare providers, and the broader […]

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Essay On Health Insurance

In an era where health uncertainties abound, the importance of health insurance cannot be overstated. Health insurance stands as a cornerstone of modern society, offering individuals and families a vital safety net against the unpredictability of medical expenses. This essay delves into the multifaceted significance of health insurance, exploring its role in providing access to quality healthcare, promoting preventive measures, alleviating financial burdens, and fostering overall well-being.

Table of Contents

Essay: The Significance of Health Insurance – A Shield for Wellness and Financial Security

Access to quality healthcare.

Health insurance acts as a gateway to quality healthcare services. Medical treatments and services can be expensive, often acting as a barrier to accessing timely and necessary care. With health insurance coverage in place, individuals gain the ability to seek medical attention without the constant worry of exorbitant bills. This not only ensures that health issues are addressed promptly but also contributes to better health outcomes. Regular check-ups, diagnostic tests, and preventive measures become accessible, enabling early detection and intervention, which are crucial for managing health conditions effectively.

Encouraging Preventive Measures

Beyond acting as a safety net for medical treatment, health insurance serves as a catalyst for proactive healthcare. A plethora of insurance plans encompass coverage for preventative services, ranging from vaccinations and screenings to comprehensive wellness programs. By motivating individuals to embrace these preventative actions, health insurance assumes a crucial role in curbing the incidence of preventable illnesses. This proactive stance not only preserves lives but also lightens the load on healthcare systems by curbing the demand for expensive interventions stemming from unaddressed health issues.

Alleviating Financial Burdens

One of the most compelling reasons for the prominence of health insurance is its ability to alleviate the financial burdens associated with medical care. The cost of medical treatments, hospital stays, surgeries, and medications can quickly accumulate into overwhelming expenses. Health insurance steps in to share this financial load, preventing individuals and families from facing the harsh choice between their health and their finances. It serves as a cushion that shields them from catastrophic medical bills that could lead to financial ruin.

Ensuring Peace of Mind

The psychological impact of health insurance extends beyond finances. It offers peace of mind to individuals and families, knowing that they are prepared for any health-related eventualities. The fear of being caught off-guard by a medical emergency is significantly reduced when one possesses comprehensive health insurance. This sense of security allows individuals to focus on their well-being and recovery without the added stress of potential financial turmoil.

Fostering Overall Well-being

Health insurance contributes to the overall well-being of individuals by facilitating a healthier lifestyle and promoting early intervention. When individuals have access to medical care without the fear of excessive costs, they are more likely to seek medical advice at the onset of health issues. This leads to early diagnosis and treatment, improving the chances of successful recovery. Additionally, the peace of mind that health insurance provides can positively impact mental health, reducing stress and anxiety related to medical expenses.

In a world where health uncertainties are an inescapable reality, health insurance emerges as a beacon of security and well-being. Its multifaceted role in providing access to quality healthcare, promoting preventive measures, alleviating financial burdens, and fostering peace of mind makes it an indispensable aspect of modern life. Health insurance isn’t just a means of safeguarding one’s health; it’s a tool that empowers individuals to lead healthier lives, make informed medical decisions, and navigate life’s challenges with resilience. As we stand at the crossroads of medical advancements and increasing healthcare costs, the importance of health insurance continues to shine brightly as a safeguard for both physical wellness and financial security.

Essay On Health Insurance In India

Thesis: Health Insurance in India – Navigating the Path to Comprehensive Healthcare Coverage

Introduction

Healthcare is a fundamental right and a cornerstone of human well-being. In a diverse and populous country like India, ensuring access to quality medical care for all citizens is a complex challenge. Health insurance emerges as a critical solution to bridge the gap between medical needs and financial constraints. This essay delves into the multifaceted landscape of health insurance in India, exploring its evolution, challenges, impact on public health, and the way forward for achieving comprehensive healthcare coverage.

The Evolution of Health Insurance in India

The concept of health insurance in India has witnessed a gradual evolution, transitioning from being largely non-existent to becoming an integral part of the healthcare discourse. Historically, healthcare was primarily limited to governmental institutions, with private healthcare being a privilege of the affluent. The 1980s marked the inception of health insurance in India, with the establishment of the General Insurance Corporation (GIC) and the launch of the Mediclaim policy, which aimed to provide coverage for hospitalization expenses.

A New Era Unveiled with India’s Economic Liberalization in the 1990s, ushering in transformative shifts, notably the entrance of private entities into the insurance domain. This heralded a pivotal transformation in the healthcare sphere, offering the public an expanded array of health insurance options. Presently, the Indian health insurance landscape spans a wide spectrum of policies, embracing individual coverage, family floater plans, and schemes facilitated by employers.

Challenges in Achieving Comprehensive Coverage

While the evolution of health insurance in India is commendable, several challenges persist in achieving comprehensive coverage across the population.

• Low Awareness and Penetration: A significant portion of India’s population remains unaware of the benefits of health insurance. Lack of awareness hampers the penetration of insurance policies in rural and economically marginalized communities.
• Affordability: Despite the availability of a variety of insurance products, affordability remains a key concern. Many Indians find it difficult to allocate a portion of their income towards health insurance premiums, especially in low-income households.
• Uneven Distribution of Healthcare Facilities: India’s healthcare infrastructure is unevenly distributed, with urban areas having better access to medical facilities compared to rural regions. This geographical disparity affects the accessibility and quality of healthcare services for those living in remote areas.
• Limited Coverage of Pre-existing Conditions: Many health insurance policies in India have waiting periods and exclusions for pre-existing conditions. This restricts individuals with chronic illnesses from receiving immediate coverage for their medical needs.

Impact on Public Health

Despite these challenges, health insurance has had a positive impact on public health in India.

• Increased Accessibility: Health insurance has brought medical services within reach for a larger portion of the population. It has played a crucial role in enabling people to seek timely medical care without worrying about financial constraints.
• Focus on Preventive Care: Many health insurance policies now include coverage for preventive measures such as vaccinations, screenings, and wellness programs. This focus on prevention contributes to early detection and better management of health conditions.
• Reduction in Out-of-Pocket Expenditure: Health insurance significantly reduces the burden of out-of-pocket expenses on individuals and families during medical emergencies. This financial relief ensures that medical needs are met without depleting savings or pushing individuals into debt.
• Incentive for Private Healthcare Investment: The growth of the health insurance sector has incentivized private players to invest in healthcare infrastructure. This has led to the expansion of hospitals, clinics, and medical facilities across various regions of the country.

The Way Forward

Achieving comprehensive health insurance coverage in India requires a multi-pronged approach.

• Awareness Campaigns: Government and private players should collaborate to conduct awareness campaigns that educate people about the benefits of health insurance and the different policies available.
• Affordable Options: To address affordability concerns, insurance companies should design policies that cater to different income groups. Subsidies and incentives can also be explored to make health insurance more accessible.
• Enhanced Regulation: Stricter regulation of insurance products is essential to ensure that policies are transparent, cover a wide range of medical conditions, and do not exploit policyholders.
• Integrated Healthcare System: Integrating health insurance with the broader healthcare system can lead to better coordination and more effective delivery of services.

Health insurance in India stands at a critical juncture, poised to play a pivotal role in shaping the country’s healthcare landscape. While challenges exist, the positive impact of health insurance on public health cannot be ignored. As awareness grows, affordability improves, and policies become more inclusive, the dream of comprehensive healthcare coverage for all Indians becomes more attainable. By fostering collaboration between the government, private sector, and civil society, India can navigate the path towards a healthier and more secure future for its citizens.

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Health Insurance is a Family Matter (2002)

Chapter: 7 conclusions.

7 Conclusions

The Committee’s overarching conclusion is that insurance coverage within a family concerns and may affect the entire family unit. The lack of insurance of any family member has the potential to affect the financial and emotional well-being of all members of the family. This suggests that we focus not only on the more than 38 million uninsured adults and children in the United States, but also on the 17 million families in which some or all members are uninsured. 1

A FAMILY PERSPECTIVE

Of the 85 million families in the United States, 17 million have one or more members who lack health insurance. Narrowing the focus to the roughly 38 million families with children, in 3.2 million of these families all members lack insurance and in an additional 4.3 million families some but not all members are uninsured (see Chapter 2, Table 2.1 ). Together these uninsured families with children account for about one-fifth of all families with children. Among married, childless couples, an additional 3.7 million family units have one or both members uninsured. More than 38 million uninsured people live in the 11.1 million family units mentioned above, with relatives other than their own children under age 18, with people other than conventionally recognized kin, or alone. Because of family relationships—financial responsibilities, psychosocial ties, and traditional child rearing obligations—an uninsured individual may affect the lives of other immediate family members, even if they have coverage. Thus, the consequences of not

having health insurance may intimately touch the lives of more than 58 million of the 276.5 million people in this country.

FINANCIAL AND HEALTH CONSEQUENCES FOR FAMILIES

Many of these 58 million feel the impact of living with uninsured family members as merely an insecurity or worry about the possibility of a very large health-related expense. Fortunately, very serious and expensive illnesses and accidents occur relatively rarely, although chronic and expensive conditions are more common. Uninsured families do have reason to worry. More than 15 percent of families with all members uninsured for the full year experience health expenditures that exceed 5 percent of their family income in a year compared with 9 percent of families in which all members are either privately insured or covered by Medicaid. Expenditures are also higher for families whose members are uninsured for the full year than for those who may have lacked coverage for a shorter period. Because families with at least one uninsured member tend to have lower incomes than do fully insured families, along with very few assets, they generally have fewer financial resources to help cope with these higher expenses. This may financially destabilize the entire family. The Committee recognizes, however, that high out-of-pocket medical bills can be damaging to families at almost any income level, whether or not they are insured.

For uninsured families, what is more common than ruinous health costs is the likelihood that they will go without needed care. Although uninsured people tend to have poorer health status than otherwise comparable insured people, they are less likely to visit a physician, fill prescriptions, and obtain preventive care and other services. Chapter 6 of this report presents strong evidence that insured children have better access to and use more health care services than do uninsured children. Uninsured children are less likely to receive the routine medical attention that is considered necessary for quality preventive care than are insured children. Low-income, minority, non-citizen, or uninsured children consistently have worse access and use than do children without those characteristics. Uninsured adolescents are more likely than those with insurance to have no regular source of care, fewer visits, and unmet health needs. Similarly, uninsured children with special health care needs, whose medical conditions require significantly more than routine well-child care, also have less access to a usual source of care, are less likely to have seen a doctor in the past year, and are less able to get needed medical, dental, prescription, and other care compared to children with special health care needs who do have insurance.

Many of the health and developmental implications of the reduced access to and use of services by uninsured children may not become apparent on a population-wide basis, at least not for many years, because most children tend to be healthy and have many fewer chronic conditions than their elders. Nonetheless, studies demonstrate that parents delay seeking care for their uninsured children

until the symptoms are more severe. These delays may result in unnecessary hospitalizations for conditions that could have been treated on an ambulatory basis and, in some cases, place uninsured children at a higher risk of premature death. If left untreated, some of the common childhood illnesses that can be detected and treated with routine care can also have long-term negative impacts on children’s development, including middle-ear infections, asthma, and iron deficiency. To the extent that timely and appropriate medical care might ameliorate or even prevent these conditions, insurance contributes to better future functioning and life chances for children. Further, provision of preventive care to children can have beneficial long-term effects that extend beyond health, so that society can reap the rewards in the future. The Committee recognizes, however, that there are many factors in addition to medical care that influence children’s health and development.

IMPLICATIONS OF PARENTAL COVERAGE

The Committee’s second report, Care Without Coverage: Too Little, Too Late, shows that the 30 million adults without coverage, many of whom are parents, are less likely to receive appropriate, timely care, particularly for chronic illnesses and certain life-threatening conditions, such as cancer, than are insured adults. Health policy researchers and health care professionals understand the financial and health risks of having family members without insurance. The public also appreciates these risks by showing a strong preference for insuring their families, when given a realistic and affordable option for family coverage. The Committee’s analyses in this report reveal another, more insidious and subtle consequence of uninsurance, namely that if a parent is uninsured, the children in the family may be less likely to get the medical care they need, even if the children have coverage.

Because children depend upon their parents and guardians as decision makers as well as caregivers, parents’ experiences with the health care system and their beliefs about health care are important. Parents’ ability to negotiate that system on behalf of their children affects how children benefit from their insurance eligibility and coverage. In Chapter 5 , the Committee shows that parents’ own use of health care, including whether they have a usual source of care and are connected to the health care system, are powerful predictors of their children’s use of services. Compared to insured adults, uninsured adults are more likely to have no doctor visit in the previous year, to use fewer medical services, and to have negative experiences when they finally obtain health care. The evidence suggests that children of uninsured parents may be less likely to get the full benefit of their own coverage than are children whose parents are also insured.

Not only may parental coverage be an important determinant of children’s access to care, it also can affect the parents’ health. The mental and physical health of parents plays an important role in child well-being. Being in poor physical or mental health, which is more likely for those of low income and those without insurance, has a bearing on a parent’s child rearing practices and ability to cope

with the stresses of raising a family. The physical and emotional health and development of their children may suffer as a result of parents’ poor health.

A key example of a parent’s health affecting that of the child can be seen during pregnancy. Providing public health insurance to previously uninsured pregnant women increases the use of prenatal care but not to the level seen with privately insured women. Uninsured women and their newborns receive less prenatal care and fewer expensive perinatal services than do insured women. Uninsured newborns are more likely to have adverse outcomes than are their insured counterparts. The evidence to date on whether expanding coverage improves an outcome such as low birthweight is not definitive, however.

POPULATIONS AT RISK

Families having some or all members with no insurance for extended periods are at greater risk of adverse consequences than are those with brief gaps in coverage. The Committee has shown that families with members uninsured for long periods are more likely to incur substantial health care costs for services and to suffer adverse consequences to health. These risks have added significance because of the types of families most likely to have some or all members uninsured.

The families in which some or all members lack insurance disproportionately are low income, single parent, immigrant, and racial and ethnic minorities. They face multiple barriers to care—of culture, education, and language—in addition to lack of financial means. The percentage of families with children in which no members are insured increases as family income declines. Also, minority population families are more likely to be wholly uninsured or have some members without coverage than are other families. The uninsured rate for immigrants and naturalized citizens has been significantly higher than that of U.S.-born residents.

In addition, there are families more likely to suffer negative consequences of having uninsured members, even though they are relatively more likely to have insurance than are the populations above. These families have members in late middle age, approaching retirement. Their increased risk comes from the fact that their health care needs and costs are likely to be higher than those of younger families. The limitations of employment-based insurance and the frequency of retirement before the age of Medicare eligibility put both the early retiree and the dependent spouse in danger of losing coverage. In fact, some health conditions and certain chronic illnesses can precipitate early retirements, either for the worker to care for an ill spouse or because work is no longer possible for the ill member of the family.

A PUBLIC POLICY PERSPECTIVE

Public policies that affect opportunities for and the structure of health insurance coverage have great societal significance, given the harmful impacts on families as well as on individuals that are associated with the lack of insurance.

What can the Committee’s analysis in this report on families contribute to policy makers dealing with issues related to health insurance coverage?

In its previous report, the Committee highlighted the importance of ease of access to a regular and continuing relationship with a health care professional, which is associated with better health outcomes and is usually facilitated through insurance. In this study the evidence demonstrates that uninsured children are less likely than insured children to have a usual source of health care or a regular physician. For children, gaps in coverage are associated with health access and use that resemble those of chronically uninsured children. There are several limitations of current insurance arrangements that hinder ease of access to a usual source of care for families. There is also evidence that expanding public programs to previously uninsured children brings a significant increase in access to and use of health services.

The nature of private and public health insurance means that transitions over the course of family life—job changes, divorce, retirement, death of an insured member—often disrupt health coverage for those who had it. Eligibility for private insurance may exclude some family members because they do not meet specific legal definitions or because a child ages beyond a specified limit. Definitions of eligibility and requirements for re-enrollment in public programs may also contribute to gaps in coverage. While some rules for insurance programs are unavoidable, from the family perspective, some of these definitions and limits may cause disruption and discontinuities that are counterproductive to promoting healthy families. Policy efforts targeted at expanding the limits and definitions of insurance eligibility and smoothing the discontinuities will be examined further in the Committee’s sixth report.

Approximately 20 million children are currently covered by Medicaid and the State Children’s Health Insurance Program (SCHIP) program expansions. Nonetheless, almost 5 million children who are potentially eligible for these programs remain uninsured (Urban Institute, 2002a). Recent efforts to simplify the application and re-enrollment processes in many states have contributed to increased coverage. The Committee’s evidence-based review shows clearly that lack of insurance for children reduces access, appropriate utilization, and some health outcomes. In addition, lack of coverage for parents means they are less likely to obtain care or to have positive experiences with the health care system and that this is likely to have a negative impact on their seeking care for their children.

The perspective of this report on coverage of families also highlights the importance of the interdependence of individuals within families, the shared health and economic consequences of uninsurance, and the importance of stronger efforts to view the family in its entirety and to consider health insurance for the whole family. Among private, employment-based insurance plans there has been a small but promising trend to expand the definition of family to include both partners in a relationship, for example, unmarried couples, both mixed sex and same sex. This development increases the opportunity for some adults to receive coverage as dependents.

While enrollment in the employment-based insurance market grew during the strong economy of the past decade, continuing growth in enrollment seems less promising now. Recent economic trends relating to recession, a soft labor market, an increasing rate of health cost inflation, and resulting premium increases all support the expectation that employers will be shifting more costs onto their employees. Higher premiums, copayments, and deductibles are likely to result in fewer employees deciding they can afford to take up the offer of coverage for themselves and their families. There are also indications that the trend for employers to reduce the amount of health insurance they offer to their retirees will continue.

The Committee notes the recent policy discussions regarding subsidizing Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage for workers who lose their jobs under particular circumstances. 1 The discussions recognize the value of health insurance and the need to make it more affordable for workers and their families to keep. Although many workers cannot benefit from COBRA protections (e.g., those whose jobs do not offer health benefits), it could help some workers and their families through some employment-related transitions if it were affordable. The limited real opportunities for coverage available to uninsured workers has recently become more widely understood by the public, but political solutions are yet to be found.

The outlook for continuing expansions of Medicaid and SCHIP may also be affected by the recession. Eligibility for Medicaid coverage is likely to grow as unemployment rises. Most state budgets are feeling the constraints of lower-than-forecasted revenues and some may be tempted to cut back on public coverage rather than to expand it (Kaiser, 2001a). Even without formal changes in eligibility, there has been discussion in some states to stop aggressive campaigns to enroll currently eligible children in their SCHIP program because the campaigns are perceived as sufficiently successful that they are increasing program costs. Such cutbacks might mean that fewer of the millions of eligible children will enroll than might have done.

The Committee’s final report will examine in further depth both the implications for public policy of the consequences of uninsurance on families and the impact of various programs and policies designed to counteract the negative effects.

Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well—being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.

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Home — Essay Samples — Government & Politics — Public Services — Health Insurance

Essays on Health Insurance

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Essays on Health Insurance

The America’s healthcare system has been developing over the years. There are new laws such as Patient Protection and Affordable Care Act (ACA), commonly referred to as Obama Care Act, technological advancements in health care information systems, developments of treatment methods and drugs, and access systems. The advancements are further...

Words: 1795

Brills and the Bitter Pill Brills, the founder of Court TV is renowned or his penchant to address what can be termed as complicated national policy issues such as education and healthcare. The Bitter Pill address pertinent issues that are deeply rooted in America's health care system and the healthcare reforms....

The cost of healthcare services in the US has been on the rise, and it is expected to go higher soon. The effects of the upsurge in the price of the essential services are felt by the American families (Campbell, 2016, p. 16). The growth in healthcare costs has a...

Internationally provision of quality health care is a core function of any government. The United Nations through the World Health Organization seeks to provide proper health care and awareness to member nations. WHO organizes programmes that educate and offer cheaper medical attention to the less privileged. Worldwide, the quality of...

The policy under the consideration is intersectionality in evaluation of policy impacts on health equity. The policy analysis discusses the socio-economic position that is related with the health inequalities and policies. The dimensions of social and health inequalities as illustrated in the policy paper are interlinked with the power relations...

Texas is the second largest state in the United States and also highly populous comprising of races such as whites, Hispanics, African American, and Asians respectively. Texas is situated to the South Central part of the country and has its capital as Austin and its largest city is Houston. Services for...

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According to popular opinions, health insurance is generally expensive no matter the location of an individual in the US. However, Texas stands among the most costly states in the realm of the affordability of health covers, especially for people living below 133% of the federal poverty level. Evidently, data demonstrates...

Words: 1420

The Importance of the Healthcare Sector The healthcare sector is a critical infrastructure in any society since it acts as a pillar that facilitates the attainment of people's and the nation's aspirations and desires. The role played by the sector cannot be overemphasized especially due to the growing demand for health...

Words: 1392

Multiple Chronicle Conditions and Hospitalization Costs Multiple chronicle conditions have been linked with increasing health care costs and hospitalization. Taking a look at different scholarly articles, varying arguments purport on the correlation between chronic conditions and hospitalization costs. Scholars argue that the establishment of self-management programs on chronicle diseases reduces health...

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Healthcare is the most significant factor in every economy yet in the United States of America, it is considered the most expensive service. The economy of a nation depends on the wellbeing of its population growth cannot be realized if the populace cannot afford medication. Unaffordability of the medication services...

Healthcare in America has a turbulent history; it has created champions and failures from politicians from every party. Current events aiming to repeal or amend the Affordable Healthcare Act have resulted in widespread protesting, illuminating how essential and arduous a task it is to create a viable and beneficial healthcare...

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Health Reforms in the US Health reforms in the US have been critical in the advancement of many of the health objectives for the improvement of care services for patients. The implementation of early changes came in the 1930 and had been the advancement over the years to the perceived health...

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120+ Healthcare argumentative essay topics [+Outline]

If you’re a nursing student, then you know how important it is to choose Great Healthcare argumentative essay topics.

Here's What You'll Learn

After all, your essay will be graded on both the content of your argument and how well you defend it. That’s why it’s so important to choose topics that you’re passionate about and that you can research thoroughly.

Strong Healthcare argumentative essay topics

To help you get started, here are some strong Healthcare argumentative essay topics to consider:

• Is there a nurse shortage in the United States? If so, what are the causes, and what can be done to mitigate it?
• What are the benefits and drawbacks of various types of Nurse staffing models?
• What are the implications of the current opioid epidemic on nurses and patients?
• Are there any ethical considerations that should be taken into account when providing care to terminally ill patients?
• What are the most effective ways to prevent or treat healthcare-acquired infections?
• Should nurses be allowed to prescribe medication? If so, under what circumstances?
• How can nurses best advocate for their patients’ rights?
• What is the role of nurses in disaster relief efforts?
• The high cost of healthcare in the United States.
• The debate over whether or not healthcare is a human right.
• The role of the government in providing healthcare.
• The pros and cons of the Affordable Care Act.
• The impact of healthcare on the economy.
• The problem of access to healthcare in rural areas.
• The debate over single-payer healthcare in the United States.
• The pros and cons of private health insurance.
• The rising cost of prescription drugs in the United States.
• The use of medical marijuana in the United States.
• The debates over end-of-life care and assisted suicide in the United States.

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Controversial Healthcare topics

There is no shortage of controversial healthcare topics to write about. From the high cost of insurance to the debate over medical marijuana, there are plenty of issues to spark an interesting and thought-provoking argumentative essay.

Here are some Controversial healthcare argumentative essay topics to get you started:

1. Is healthcare a right or a privilege?

2. Should the government do more to regulate the healthcare industry?

3. What is the best way to provide quality healthcare for all?

4. Should medical marijuana be legalized?

5. How can we control the rising cost of healthcare?

6. Should cloning be used for medical research?

7. Is it ethical to use stem cells from embryos?

8. How can we improve access to quality healthcare?

9. What are the implications of the Affordable Care Act?

10. What role should pharmaceutical companies play in healthcare?

11. The problems with the current healthcare system in the United States.

12. The need for reform of the healthcare system in the United States.

Great healthcare argumentative essay topics

Healthcare is a controversial and complex issue, and there are many different angles that you can take when writing an argumentative essay on the topic. Here are some great healthcare argumentative essay topics to get you started:

1. Should the government provide free or low-cost healthcare to all citizens?

2. Is private healthcare better than public healthcare?

3. Should there be more regulation of the healthcare industry?

4. Are medical costs too high in the United States?

5. Should all Americans be required to have health insurance?

6. How can the rising cost of healthcare be controlled?

7. What is the best way to provide healthcare to aging Americans?

8. What role should the government play in controlling the cost of prescription drugs?

9. What impact will the Affordable Care Act have on the healthcare system in the United States?

Hot healthcare argumentative essay topics

Healthcare is always a hot-button issue. Whether it’s the Affordable Care Act, single-payer healthcare, or something else entirely, there’s always plenty to debate when it comes to healthcare. Here are some great healthcare argumentative essay topics to help get you started.

1. Is the Affordable Care Act working?

2. Should the government do more to provide healthcare for its citizens?

3. Should there be a single-payer healthcare system in the United States?

4. What are the pros and cons of the Affordable Care Act?

5. What impact has the Affordable Care Act had on healthcare costs in the United States?

6. Is the Affordable Care Act sustainable in the long run?

7. What challenges does the Affordable Care Act face?

8. What are the potential solutions to the problems with the Affordable Care Act?

9. Is single-payer healthcare a good idea?

10. What are the pros and cons of single-payer healthcare?

Argumentative topics related to healthcare

Healthcare is always an ever-evolving issue. It’s one of those topics that everyone has an opinion on and is always eager to discuss. That’s why it makes for such a great topic for an argumentative essay. If you’re looking for some fresh ideas, here are some great healthcare argumentative essay topics to get you started.

1. Is our healthcare system in need of a complete overhaul?

3. Are rising healthcare costs making it difficult for people to access care?

4. Is our current healthcare system sustainable in the long term?

5. Should we be doing more to prevent disease and promote wellness?

6. What role should the private sector play in providing healthcare?

7. What can be done to reduce the number of errors in our healthcare system?

8. How can we make sure that everyone has access to quality healthcare?

9. What can be done to improve communication and collaboration between different parts of the healthcare system?

10. How can we make sure that everyone has access to the care they need when they need it?

Argumentative essay topics about health

There are many different stakeholders in the healthcare debate, and each one has their own interests and perspectives. Here are some great healthcare argumentative essay topics to get you started:

1. Who should pay for healthcare?

2. Is healthcare a right or a privilege?

3. What is the role of the government in healthcare?

4. Should there be limits on what treatments insurance companies must cover?

5. How can we improve access to healthcare?

6. What are the most effective methods of preventing disease?

7. How can we improve the quality of care in our hospitals?

8. What are the best ways to control costs in the healthcare system?

9. How can we ensure that everyone has access to basic care?

10. What are the ethical implications of rationing healthcare?

Medical argumentative essay topics

• Is healthcare a fundamental human right?

2. Should there be limits on medical research using human subjects?

3. Should marijuana be legalized for medicinal purposes?

4. Should the government do more to regulate the use of prescription drugs?

5. Is alternative medicine effective?

6. Are there benefits to using placebos in medical treatment?

7. Should cosmetic surgery be covered by health insurance?

8. Is it ethical to buy organs on the black market?

9. Are there risks associated with taking herbal supplements?

10. Is it morally wrong to end a pregnancy?

11. Should physician-assisted suicide be legal?

12. Is it ethical to test new medical treatments on animals?

13. Should people with terminal illnesses have the right to end their lives?

14. Is it morally wrong to sell organs for transplantation?

15. Are there benefits to using stem cells from embryos in medical research?

16. Is it ethical to use human beings in medical experiments?

17. Should the government do more to fund medical research into cancer treatments?

18. Are there risks associated with genetic engineering of humans?

19. Is it ethical to clones humans for the purpose

Argumentative essays on mental illness

• Should there be more focus on mental health in schools?
• Are our current treatments for mental illness effective?
• Are mental health disorders more common now than they were in the past?
• How does social media impact mental health?
• How does trauma impact mental health?
• What are the most effective treatments for PTSD?
• Is therapy an effective treatment for mental illness?
• What causes mental illness?
• How can we destigmatize mental illness?
• How can we better support those with mental illness?
• Should insurance companies cover mental health treatments?
• What are the most effective treatments for depression?
• Should medication be used to treat mental illness?
• What are the most effective treatments for anxiety disorders?
• What are the most effective treatments for OCD?
• What are the most effective treatments for eating disorders?
• What are the most effective treatments for bipolar disorder?
• How can we better support caregivers of those with mental illness?
• What role does stigma play in mental illness?

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Essay on Insurance

Students are often asked to write an essay on Insurance in their schools and colleges. And if you’re also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic.

Let’s take a look…

100 Words Essay on Insurance

What is insurance.

Insurance is like a safety net. It’s a way of protecting yourself or your things against unexpected events. You pay a little bit of money regularly to an insurance company, and if something bad happens, like a car accident or your house catching fire, the company helps you by paying for the losses.

Types of Insurance

There are many kinds of insurance. Health insurance helps with medical bills. Car insurance covers car damage or accidents. Home insurance pays for repairs if your house is damaged. Life insurance supports your family if you pass away.

Why Insurance Matters

Insurance is important because it gives you peace of mind. You don’t have to worry about huge costs if something goes wrong. It’s a smart way to plan for the future and keep you and your family safe from big, unexpected expenses.

250 Words Essay on Insurance

Insurance is like a safety net. Imagine you have a piggy bank where you save money for when something unexpected happens. Insurance is similar, but instead of a piggy bank, you give money to a company. This company promises to help you if you have a big problem, like if your house catches fire or you get very sick.

How Insurance Works

You pay a small amount of money regularly, called a premium, to the insurance company. Many people do this, and the company collects a lot of money. Most of the time, nothing bad happens, so the company doesn’t need to use all the money. But when someone who has insurance faces a big problem, the company uses the money to help them.

Why Insurance is Important

Insurance is important because it protects you from big surprises that can cost a lot of money. Without insurance, you might have to pay all the costs by yourself, which can be very hard. With insurance, you can feel safer knowing that help is there if you need it.

In conclusion, insurance is a way to stay safe financially. It’s like having a big group of friends who all put their money together to help each other when something goes wrong.

500 Words Essay on Insurance

Insurance is like a safety net. Imagine you’re walking on a tightrope high in the air. If you fall, the safety net catches you. That’s what insurance does. It catches you when something goes wrong, like if you get sick, your car gets into an accident, or your house gets damaged by a storm.

There are many kinds of insurance for different things. Health insurance helps pay for doctor’s visits and medicines. Car insurance helps with costs if your car gets damaged or if you damage someone else’s car or property. Home insurance helps fix your house if something bad happens to it, like a fire or a flood.

How Does Insurance Work?

Why do we need insurance.

We need insurance because bad things sometimes happen, and they can cost a lot of money. If you get sick and need to go to the hospital, the bill can be very high. If you didn’t have insurance, you might not be able to pay it. With insurance, you don’t have to worry as much because it helps cover the costs.

Choosing the Right Insurance

Picking the right insurance is important. You have to think about what you need to protect. If you have a car, you need car insurance. If you live in a place where there are lots of storms, you should have good home insurance. Also, you should look at how much the insurance costs and what it covers. Some insurance is cheaper, but it might not cover everything.

Insurance is a Promise

In conclusion, insurance is a very helpful tool that protects us from big surprises that can hurt our wallets. It’s a way for a group of people to help each other out. Everyone pays a small amount to be safe, and if trouble comes, the insurance is there to catch them. It’s important to choose the right insurance for you and to keep paying your part, so the safety net stays strong and ready. Remember, insurance is there to make sure that if something goes wrong, you won’t be alone.

That’s it! I hope the essay helped you.

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Health Insurance Reform Has Surprisingly Little Impact on Actual Health

T he typical American’s health compares poorly to that of their counterparts in other high-income countries, even though the U.S. spends twice as much as these countries do on medical care. Behind that middling average lies substantial health inequality. A 40-year-old American male can expect to live 15 years less if he’s one of the poorest 1% of Americans rather than one of the richest 1%. Black children who live in the richest parts of the United States have higher mortality rates than White children in the poorest parts of the country.

Many have put these observations together with another aspect of U.S. “exceptionalism”: We are the only high-income country without universal health insurance coverage. And they have concluded that the key to improving health and reducing health inequality in the U.S. is to finally enact universal coverage.

They’re wrong. While these two facts are correct, they have very little to do with each other. There are good reasons to support universal health coverage, but noticeably improving population health is not one of them.

Indeed, the evidence suggests that the health disparities among Americans are not driven by differences in access to health insurance or to medical care. Rather, the key to improving health is far more complex: It lies in changing health behaviors and reducing exposure to external sources of poor health.

Perhaps the clearest evidence for how little impact health insurance reform has on health comes from the experience of other countries which have universal health insurance but also experience substantial health inequality. Consider Sweden and Norway , two Nordic countries with universal health insurance as well as a cradle-to-grave generous social safety net. Yet differences in life expectancy between adults in the top 10% and bottom 10% of the national income distribution in those countries are similar to the disparities in the United States.

Read More: Long Waits, Short Appointments, Huge Bills: U.S. Health Care Is Causing Patient Burnout

Or consider the enormous differences across the country in remaining life expectancy for elderly Americans, all of whom are covered by the same Medicare health insurance program. Researchers have identified which cities in the U.S. are better or worse for elderly longevity , and also which tend to provide more medical care than others . But, the evidence indicates, the places you’d want to move to in order to increase your life expectancy in retirement aren’t the same as the places to move to if you want to receive more medical care.

Indeed, there is widespread agreement among researchers that medical care, let alone health insurance, is not the only—or even the most important—determinant of health. Rather, the key to better health and smaller health disparities lies in the air we breathe, the food we eat, and the cigarettes we do or do not smoke. Which means that the key public policies for improving health must be those that tackle these sources of poor health through pollution regulation, or soda and cigarette taxes. The path to major health improvements doesn’t run through health insurance and health care policy.

How can this possibly be?

It is not because health insurance is not important for health. Of course it is .  But its effects are too small for health insurance reform to make much of a dent in the large U.S. income-health gradient, or to substantially improve the poor health of average Americans.

Behind this relative unimportance of health insurance coverage for health is a startling, but little-understood reality: No one in America is actually uninsured when it comes to their health care. Rather, the nominally “uninsured”—those who lack formal health insurance coverage—nonetheless receive a substantial amount of medical care which they don’t pay for.  

There is a vast web of public policy requirements and dedicated public funding to provide the nominally uninsured with free or heavily discounted medical care. And no, we’re not just talking about the emergency room. Through a piecemeal slew of policies at the federal, state, and local level, the government has created a large, complex web of publicly-regulated, publicly-funded programs that provide free or low-fee preventive care, care management for chronic health problems, and non-emergency hospital care for the uninsured and under-insured.

This point was made clear by data from Oregon, where the state ran a lottery for health insurance coverage in 2008. The process was similar to a clinical trial for a new drug, in which some patients are randomly assigned the new drug and others are assigned an older drug or a sugar pill. Except in this case, Oregon randomly assigned public health insurance coverage to about 10,000 low-income, uninsured adults but not to the thousands of others who had signed up to “win” free public health insurance. The results of this lottery made clear that providing formal health insurance coverage to the uninsured provides them with real benefits: better protection against expensive medical bills, greater likelihood of having a medical home, more access to medical care, and ultimately, improved health.

But the experiment’s results also revealed something striking about the experience of the uninsured: The uninsured receive about four-fifths of the medical care that they would get had they been insured. This medical care includes primary care, preventive care, prescription drugs, emergency room visits, and hospital admissions. And they pay for only about 20 cents out of every dollar of medical care that they receive. In other words, they are not actually uninsured. Rather, there’s a lot more commonality in the medical care received and (not) paid for by the insured and the uninsured than those labels might suggest.

And once we realize that everyone in America can access medical care, it becomes much clearer why formalizing this access – while important for other reasons – is unlikely to make an important difference for people’s health, or substantially reduce the large disparities in population health.

The surprisingly limited role for health care policy or health insurance in driving population health is not a new observation. A half century ago, the economist Victor Fuchs – who at age 99 is now widely considered to be the founding father of the economic study of health – made this point in his now-famous “ Tale of Two States. ” He described two neighboring states in the Western U.S. that were similar along many of the dimensions believed to be important for health – including medical care, income, schooling, climate, and urbanicity. Yet in one state, the people were among the U.S. healthiest. Their neighbors in the other state were among the least healthy, with annual death rates that were 40% to 50% higher.

You may get an inkling of where Fuchs was going with this comparison when we tell you that the two states were Utah and Nevada. And that the residents of Utah were the ones enjoying much better health.

Fuchs famously attributed the lower-mortality rates of the clean-living, predominantly Mormon residents of Utah to their better health behaviors. Their Nevada neighbors enjoyed what he referred to as “more permissive” norms. Rates of smoking and drinking were much lower in Utah than in Nevada. And differences in mortality between the two states were particularly pronounced for diseases for which there was a direct link to such behaviors, such as lung cancer and cirrhosis of the liver.

Fuchs’s simple tabulations of publicly reported death rates by age and gender for Utah and Nevada appear antiquated by modern data science standards. But his central argument has stood the test of time. A subsequent half-century of confirmatory work has hammered home an important but often overlooked point: when it comes to improving health outcomes and reducing health disparities, health insurance policy is not the lever to lean on.

Adapted from We’ve Got You Covered: Rebooting American Health Care by Liran Einav and Amy Finkelstein, in agreement with Portfolio, an imprint of Penguin Publishing Group, a division of Penguin Random House LLC. Copyright © Liran Einav and Amy Finkelstein, 2023.

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Should Healthcare be Free for Everyone Essay

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Health protection is one of the basic human rights because everyone wants to be healthy. At the same time, assistance in ensuring this health should come from the state as a guarantor of the protection of the person. The right to health is a fundamental aspect of any society; without a health system, this right cannot be fulfilled. Many aspects of similar institutions worldwide are paid, which hinders access to medicine for some people. In this way, a free healthcare system could lead to equality.

First, health care refers to absolute human rights that any state cannot alienate. Thus, by depriving a person of this right, the state violates ethical standards and can significantly harm the health of people who cannot afford paid medicine. A free healthcare system could provide everyone access to basic health services such as prevention, treatment of illness and injury, and access to medicines. Free medical care would help to establish full equality among all groups of the population, thus eliminating many of the divisions that currently exist in society. In this way, people could become much healthier and happier because many health problems would be solved.

The second argument favoring a free healthcare system is the economic factor. This is because healthy citizens can contribute more to the country’s economy. Citizens who are properly healed will be able to feel better, and investigators will be able to work more productively, ultimately leading to increased economic growth. In addition, a free health care system can significantly affect private businesses since companies do not have to invest in payments to constantly provide insurance for citizens. It was possible to include part of this amount instead as a separate tax, and thus both the state and firms could earn more money. Thus, companies will be able to redirect the financial resources of their organizations to the development of their kind of activity. This would increase competition in all sectors of the economy and thus improve the quality of business. Increasing the turnover and revenue of companies can then lead to the payment of large taxes and an improvement in the position of the national economy.

As a counterargument, it can be said that transferring the entire healthcare system to a free regime would create many difficulties both at the transition stage and in the future. Indeed, to fully make medicine accessible, it will be necessary to carry out many reforms that can significantly burden the economy. In addition, many private clinics will also have to be dealt with and either leaves the possibility of such services or transfer them to state dates. Financing all medical institutions from the country’s budget can be complicated and costly. In this regard, it would be necessary to look for additional sources of income to support the economy. However, moving to a free system can result in greater cost savings, as in Canada or the UK.

In conclusion, we can say that the health care system should be accessible and free for all citizens who need help, as this is one of the most important human rights that cannot be neglected. In addition, establishing such state care can help stimulate economic growth since most people who are now in poor health will be able to work. This will help companies develop more intensively and not spend money on paying insurance for employees. There are some downsides to moving to a public system, such as high initial process costs. However, in the future, this can be fully compensated. Based on all the factors considered, it can be concluded that a free healthcare system should be implemented.

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