Lastly, the amount of personal bankruptcies will be reduced. Many Americans file for bankruptcy because of their medical bills, if the rates go down and more people can afford coverage then it would make sense that the amount of bankruptcies would also go down. Even though the pros all help and seem great the cons to this policy also holds valid points. First, “18 million of the uninsured will be forced to go under Medicaid, while the rest will have to accept another government program. Even so, millions will remain uninsured,” (Pros and cons of Obama care June 29, 2012).
Some examples are selling policies across state lines; create high-risk pools, and tort reform. If citizens were able to buy insurance across state lines, it will result in “a race to the bottom in which insurance would soon stop guaranteeing access to healthcare” (Terry). High risk pools will have high premiums in which people with low income or no income at all cannot afford them. The president and his supporters have put part of the tort reform in the health reform bill. The tort reform will help protect physicians and medical facilities from malpractice law suits.
In her essay “Organ Sales Will Save Lives”, Joanna Mackay explains how legalizing kidney sales would be beneficial in more ways than one; saving the lives of patients willing to buy kidneys, and with legal compensation, helping to end poverty in the countries of those willing to sell. In her essay, Mackay explains that even though there are nearly 350,000 people suffering from end-stage renal disease, an almost always-fatal disease, treatment options are limited exclusively to transplant and dialysis. Though effective, dialysis is an expensive and painful process, making the patient dependent on a machine for the rest of their life. Transplant, however, is far more successful; new equipment and anti-rejection treatments make it an incredibly safe and effective procedure. When a matching donor can’t be found within immediate family members, patients must wait for a kidney from deceased donors, such as old age or accident victims.
It isn’t right for Obama Care to force everyone to get health insurance but it is the most logically because insurance companies cannot deny anyone so that everyone can be covered. There are about 32 million people who don't have health insurance. If something happens, and they have to go to the hospital, they often just don't pay the bill, and the hospital has to cover it. To cover the costs, hospitals raise the prices of health care for everyone and if the prices are raised then the more a hospital patient that’s covered by
Individuals that can afford health care will unfortunately have to pay more to cover those that can’t. The 30 plus million Americans that currently have their own insurance plans, are now facing the unnecessary hardship of receiving cancellation notices due to their plans not meeting the “Obama Care” requirements. Which goes against the initial promise stated by President Obama “if you like your current plan, you could keep it”. As stated before, the money to cover health care cost has to come from someone, who? There’s no magic formula to solving the health care predicament facing a good percentage of Americans.
Obama Care so called "Health Benefit Exchanges" by the 2010 affordable care act, This is where people who don’t get their insurance through their employer can go to buy coverage. This was set up to supply medical coverage to insurance companies to complete for an affordable health plan. These exchanges were designed to buy coverage to some 50 million American’s who lack it. The idea was simply by bringing together millions of people who rely on individual polices would lead to more competition and lower premiums. This would depend on enrolling enough healthy people to offset the cost of the sicker customer; otherwise cost could rise especially for young adults.
When patients only seek healthcare from an emergency provider their care is more expensive and may be disjointed because emergency providers do not have access to a patient’s complete medical chart. In this situation, duplicate testing is done and medications may be prescribed that are not safe for the patient. The use of the emergency room as a primary care provider and the disjointed care of patients in the emergency room are two of the many challenges that healthcare providers and governments face when a patient with chronic health problems loses their healthcare coverage. One step that may assist governments in providing safe and effective care for patients who do have chronic health issues but do not have health insurance is to provide a healthcare insurance program where the premium cost for the
Many Americans do not realize that to maintain reasonable costs, many Americans insured via the universal health care system could be limted to specific doctors. This would also remove many health care decisions out of the hands of medical professionals and into government officials under pressure to keep costs low. This can affect many medical procedures for Americans as there are still a lot of grey areas on what will and won't be covered. Those opposed to universal health care question whether or not the government will fund procedures that are still consider experimental in
The significant difference between the rates of health insurance cost increases and wage and inflation increases creates a problem in itself. Not only are there millions of people without health insurance, it is becoming more likely that they will not be able to afford to hold insurance policy. However, in a 2002 study it was found that only 30% of the uninsured were below federal poverty levels (Overview of the U.S. Health Care System). This means that despite the unsettling amounts of people in poverty without health insurance, there is also the issue of those who have the means to provide themselves and their families with health insurance and choose not to, only to be faced with crippling health bills should anything go wrong. Navigating and deciphering the complicated health insurance industry is too daunting and expensive a task to leave up to individuals, which is why in many cases, the United States government and private organizations have stepped in.
He also asked the congress for cash-strapped local governments to hire more teachers and firemen. This affected American teachers and firemen because they had better opportunities to pursue their careers. In March 2010 President Obama created a National health care reform system for uninsured Americans. This system allows them to buy into health care plans with added subsidies and tax incentives but it also prevents the insurance companies from denying coverage. Economist believes that this system will do nothing to control cost but the budget office believes the bill will reduce the cost over a ten-year period.