Health insurance research paper

Health insurance is one of the nations top problems, the cost is rising for premiums, and many businesses just cannot afford it. However, many people do not have access to health care because of the high costs associated with poor insurance plans that require individuals to pay high premiums and deductibles, which may or may not contain good benefits such as free preventative care.... Individual health insurance, generally more expensive than group health insurance, is available for purchase outside of an employment relationship.

The human capital model is grossman’s attempt to explain the demand for health, and to do so he relies heavily on human capital theory. Not only were american’s rights trampled on by forcing them to purchase insurance coverage, but higher costs and penalties surround the affordable care act. The hmo act also had the effect of lowering insurance costs for some large companies and increasing insurance costs for many small and medium-sized companies (carlstrom, 1994).

1) graph -1- the universal health insurance (uhi) system vision (2) the who has stated that uhi once implemented appropriately has shown to improve health indicators (as infant mortality life expectancy) and prove service user satisfaction, lowers the costs of healthcare when compared with other funding methods and contribute to a stronger economic development, including a reduction of poverty levels so will pay back the budget invested in it.... I feel that the world’s most important questions involve, in some way, health care. Under the patient protection affordable care act, each person is required to have at least a minimum level of health insurance failure to, the individual will face a penalty.

Summary of hipaa this paper will examine the privacy rules of the health insurance portability and accountability act (hipaa) of 1996 . Many americans have no cushion to fall back on, no blue and white card to show the emergency room when they have an unexpected health concern. Health maintenance organizations (hmo) are organizations that provide or organize health insurance, self-funded health care benefits plans, individuals, and other entities for the united states as a liaison with health providers or hospitals on a prepaid basis.

However, pet health insurance is different in that no pet health insurance provider in the united states pays the pet health care provider directly, instead you submit your claims to the insurer and you receive a reimbursement for expenses.... For example, the health maintenance organization act of 1973, referred to as the hmo act, established a dual-choice provision that required employers with twenty-five or more employees to offer federally certified hmo options alongside traditional indemnity insurance plans. A survey has shown that 58% of doctors say that they would be willing to give an insurance company "deliberately deceptive documentation" to influence the company's decision to approve surgery or other treatment for a life-threatening illness.

To understand why the health care of the united states has developed to an uneven, uneconomical and inefficient health care system; we must understand the economic theory that pushes this market to be so inefficient. In 2013 there were 41 million people reported with out health insurance coverage, this is too many considering those people probably were sick at some point through out the year, and they couldn’t afford treatment. Despite being among the most advanced countries and spending more on health care than any other nation, the united states ranks poorly on nearly every measure of health status.

Factors that influence the availability of group health insurance include the size of the company and job classification. For employees, such a policy would entitle all full-time working residents in the united states to a standard package of health benefits. When subsidizing the poor, the nation would be financially supporting and investing in the health coverage of those in poverty.

The editors of searching for great ideas agree with that statement based what they said on page 30… some current issues that can be examined are gender and sexual equality in society, the access to education, and health care. This topic is a concern to all as everyone would like to have affordable health care insurance for their families, not just for catastrophic illness but also to cover preventative health care.... All proposals to expand insurance coverage have had certain flaws and were sometimes far from being ideal or even realistic.

The health insurance portability and accountability act, otherwise known as hipaa, was endorsed by the u. More than one-sixth of the us economy is devoted to health care spending and the percentage continues to rise every year, however, while the investment is increasing, the value remains poor.... He also talks about how the government initially refused to pay for the health care for the 9/11 volunteers, because they were not on the government payroll which make it difficult to have a standard health care....

The uninsured states of america nearly 48 million americans had no health care coverage in 2005, and the number will continue to grow if this country does not enact new policies to defuse this crisis (families usa 2). This is about providing a specific package of benefits to all of society with the end goal of providing financial risk protection, improved access to health services, and improved health outcomes. Individuals have historically chosen private health insurance plans based on factors such as availability, eligibility, individual health needs and history, pre-existing health conditions, the services provided, the costs and affordability, the location of services, and limitations on ing health insurance are a wide range of private health insurance plans including fee-for-service plans, managed fee-for-service plans, health maintenance organizations (hmo), preferred provider organizations (ppo), and point of service plans (pos).