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Healthcare Coverage Essay Example

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Healthcare Coverage

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Healthcare Coverage. Health insurance includes a range of methods for guaranteeing healthcare services at no or reduced costs and these include government provided programs and individually purchased programs or products. Harris (2011), states that the original health insurance concept was designed to spread the risk of incurring large claims across a broad population (some of which will actually have no claims at all in a given calendar year). In the United States, a complex system of contracts, specialized terms, selection of risk (selecting individuals who have fewer claims) and regulations at both the state and federal levels have sprouted from the original concept.
Healthcare coverage is a very controversial topic, especially in the United States.

Many attempts have been made beginning in the twentieth century to provide a universal healthcare coverage to all those Americans who were not insured but most of them ended up in failure due to the influence of some groups, like doctors, who saw it as a way of curtailing their freedom to practice in the service of their patients. Clemmitt (2011) states that many of the early efforts made to provide discounted healthcare were squeezed out of existence by various medical groups. However, the rising cost of healthcare that has been experienced over the last few decades has made it a mandatory issue to be considered and discussed within the political circles. Healthcare coverage has become a very important matter within the United States because of the increasing costs which prevent many of those Americans in great need of the said medical care from getting it. This is mostly due to the fact that they can barely afford to pay the premiums demanded by insurance companies, or if they are able to, they can only afford insurance with little coverage. Attempts have been made by the federal government to ensure that healthcare coverage is available for all Americans by requiring all employers to provide health insurance for their workers while the government covers those who are not employed. Healthcare Coverage.

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References

Clemmitt, M. (2010). Health-care reform. CQ Researcher,20, 505-528.

Epstein, K. (2002). Covering the uninsured. CQ Researcher,12, 521-544.

Harris, T.F. (2011). Health Care Coverage and Financing in the United States. Winstead, Connecticut: Actex Publications.

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