Health Insurance Paper Research Example | Topics and Well Written Essays - 1000 words

Health Insurance - Research Paper ExampleThis calls for government intervention in wellness insurance costs to yield lower rates and better services. This paper discusses the reasons why government should be directly reckond in wellness insurance. A recent survey by the Commonwealth neckcloth on health involving industrialised nations rated America in the lowest rank. According to Davis, Schoen, and Stremikis, In July 2008, the Commission released the twinkling National Scorecard on U.S. Health System Performance, which ranked the nations performance on 37 indicators, 11 of which were based on international comparisons (Davis, Schoen, and Stremikis). The parameters used in this survey include compare of health outcomes across its population, fairness of financial contributions, and patient responsiveness. The current health insurance system is financed by employers as a benefit to their employees. Low and middle-income earners do non get these benefits from employers and since t hey cannot afford from their mean salaries, they go forward uninsured. Government involvement in health insurance will see to it that all its citizens can assenting it. Further analysis of the US health insurance costs problem reveals that most of the funds contributed by companies and individuals get into the hands of the administrators. This mode that a lesser percentage than expected of these contributions go into actual health care of these individuals. This leaves the individuals who participate in this syllabus paying very high costs that do not match up the care given. Government involvement in a health insurance programme will allow it to have an added advantage to bargain better prices of drugs and services. The administration costs will no longer be there and reduced drug costs will make the prices of insurance to go down. In addition, single payer systems through government involvement will enable the government to piss down costs as it covers the entire population. Canada is a very good example of a pronounce that uses the single payer system efficiently. According to Segals Health Care Reform Journal, In 2006, the U.S. spent $6,714 per capita without covering all its citizens, while Canada spent $3,678 with universal coverage (Clemmitt). America should control from such states and involve the government. Government involvement in health care insurance will make it possible to line all the activities in the health system. The government will have no choice, therefore, than to give the best medical exam care in the world. To safeguard financial stability of this system with the government in it, citizens must insert to prevent issues of people who do not sign up until they are sick. Some costs go up because of advanced technology that prolongs the lives of individuals who have terminal illnesses. For example, cancer patients live for six months longer with the care of some machines. According to Callahan as quoted in Health Care Reform Journal, We will have to learn better how to live with that reality, to understand that limits to health care are necessary. We cannot afford endlessly expensive progress. Concretely, that means we will have to accept rationing (Clemmitt). Since most insurers are out to make profits rather than to offer best medical care, government involvement will change this. Buyers will have other choice of insurance plan, which is government run and this will keep off non-genuine private insurers. However,