Health Insurance for Everyone

Health Insurance for Everyone - Nicholas Gowings Professor...

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Nicholas Gowings Professor Bradley College Writing 18 March 2008 “Health Insurance for Everyone” It’s been forty years since the enactment of Medicare and Medicaid, and more than a decade since the Clinton administration failed to supply health coverage to “all” Americans. It is no secret that the nation’s system of funding health care is on the verge of extinction. I believe that all families should be provided with health care by the federal government that guarantees access based on need, not on income. Forty seven million U.S. residents have no health insurance, and that number is steadily growing. Out of that grossly high number, seventeen percent are children, whom are unable to legally work, much less pay for health care that millions of adults themselves can’t afford. Over seventy five percent of coverage in America is afforded through employer-based programs. Yet, because employers are moving in the direction of providing “Wal-mart” style health coverage by shifting health care costs to employees, blue collar American workers struggle to pay increased premiums, deductibles, and co-payments—if they can afford any coverage at all. Though there are many unethical loopholes most employers are seeking to save a “penny”, a few have alarming effects. Double digit increases in costs of health insurance, more out of pocket costs for doctor visits, and unbelievable prices for prescriptions, forcing many people to delay getting medical care, or worse, declining the insurance for them and their family altogether. Health care costs are rising at five times the rate of inflation. At this rate, there leaves no room for speculation as to why Americans are unable to meet health cost requirements. According to the Center for Studying Health System Change, health care spending climbed ten percent in 2002. In 2001, just a year prior, costs exceeded a ten percent increase, which is the largest jump in
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more than a decade. This is one of many reasons that of the workers who put in forty or more hours at their respective occupations, only forty four percent are insured.
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