Universal Health Coverage Statement

The recently passed Healthcare Reform Bill (HR-4872) is a necessity and long overdue. As one of the wealthiest countries in the world, it is a travesty that one hundred percent of our citizens are not adequately covered for their healthcare expenses. According to the United States Census Bureau, there were approximately 45.7 million people in the United States without basic healthcare insurance in 2009. It is my position, that a “Universal Health Plan” is a necessary for the continued integrity of our nation. There are many opponents to the proposal of such a plan. Their arguments are often unfounded and are inflated with biased political hype. Why is healthcare coverage a necessity? Under the current medical practices in the…show more content…Universal Health Coverage Statement
Under the current healthcare reform bill HR-4872, there are several stipulations that will benefit everyone. The proposed bill eliminates the “Pre-existing Condition” clause that insurance companies have been manipulating around for many years. How many people have been stuck in dead end jobs, unable to further their career for the fear of being denied insurance coverage due to a pre-existing condition. The bill (HR-4872) also makes purchasing health coverage affordable.Universal Health Coverage Statement Under the current American system, the health insurance providers can pass on rate increases to the consumers without regard to the clients ability to pay or their after taxes income. It is estimated that healthcare insurance costs have increased as much as 18 – 25% over just the past three years alone. This dramatic increase in premium expenses has put healthcare insurance out of the reach of millions of Americans. HR-101 proposes a cap on “Out of pocket” expenses. The cost of medical treatment can skyrocket quickly. Currently, even those with adequate insurance coverage can be left financially devastated if faced with a long-term critical illness. Private insurance companies often have a lifetime maximum payout amount. The consumer may then be left with a catastrophic amount of debt related to the treatment received and the unforeseen notion of the concept of a maximum lifetime payout figure.

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Medical costs are getting too expensive. Ever fought with your insurance providers because they refused to pay for care, or struggle to find an “in-network” provider? I know a woman whose name I will change for her privacy and the struggles she is going through are a perfect example of an issue many people face when dealing with insurance; Nancy’s (name changed for privacy) story is a perfect example of how our healthcare system is no longer working for the people. Nancy is this woman whose husband recently passed away. Nancy used to work for county and county workers cannot receive social security; and Nancy is too …show more content…

Mostly, the lower incomes are those who suffer from lack of insurance including, part-time and seasonal, and anyone in the service industry.Universal Health Coverage Statement Obviously we need services such as people to help with daily needs, or daycare; yet, they are the individuals who do not have health coverage. Those who can be considered middle class, while having insurance, are under insured and if a mishap were to happen, the middle class family would struggle; especially with the escalating price of medical assistance such as prescriptions.
Universal Healthcare can lower healthcare costs, which are on a constant rise. From the year 2000 to the year 2004 the cost of healthcare rose fifty-nine percent. (Leif, 2007) From that point, until the year 2016, cost are estimated to reach four point one trillion which is double the cost of what it was. Employers are trying to escape the raise in costs by either dropping insurance, reducing the amount of coverage, and/ or raising the cost of the premiums. The problem with the constant rise is that the number of United States citizens that can afford coverage is dwindling; even if they work. As a matter in fact the statistic for working individuals who work that cannot afford coverage is one in five.

Universal health care is the special coverage system that ensures that all residents of the country have an access to the medical facilities and assistance. Universal health care is funded through a variety of different programs worldwide. All of the developed states, accept for the USA, have universal health care system. It seems to be global trend today, as some of the developing countries try to imply various programs that would cover 100% of the population. However, the question still remains: is the universal health care a solution to all of the problems in the sphere?Universal Health Coverage Statement Should such programs be implied everywhere else in the world? I suppose no. With all its benefits and positive sides, universal health care has a number of serious drawbacks and counterarguments that should not be ignored.

The first argument is relatively simple: universal health care is extremely expensive.

It is hard to estimate the costs of introducing the universal health care in the US, but the sum will obviously be huge. There may simply be not enough money to provide the entire population with free medical assistance. The approximate sum needed for the reform of the health care system is said to be over $1 trillion (FoxNews.com).

Secondly, it is rather obvious that free health care is not a constitutional right. Effective health care is rather a privilege that has to be paid for, than a government-ensured right of any citizen. There already is a number of responsibilities carried out by the federal government. It is high time to remember Kennedy’s words and ask what one had done for the country, than what the country has done for him.

Then, it is rather clear that waiting time would increase dramatically, which could lead to serious problems. Once the health care system becomes free for everyone, the lines in hospitals will double or even triple.Universal Health Coverage Statement People with most insignificant illnesses or with none at all might want to consult the doctor “just in case”. Eventually, the waiting time for those actually needing help might increase.

Moreover, it is rather likely that over-regulation might emerge. In case the government spent money on the health care coverage, it would like much more control over where the money is going. The doctor’s profession is already extremely formalized, but in case medical workers become employed by the government, the amount of bureaucratic work will increase substantially.

The fifth argument states that universal health care is likely to be much less efficient than the system that is already used in the US. In case there is no consumer for the good or service, its quality usually falls significantly. If the medical care is funded by the government, medical staff receives the same compensation regardless of the quality of their work. Material stimulation is one of the most powerful ones and universal health care actually lacks it.

A number of economists argue that serious disproportions in the income redistribution might emerge. Some of the health services are extremely costly to perform. Everyone receiving similar health coverage is simply not fair. Some people work hard and pay taxes that eventually cover the health services. Others, however, remain idle or unemployed, generating no income for the state. These people will eventually get sick and receive adequate health services, making the rest pay for it.Universal Health Coverage Statement

And finally, tax burden is very likely to increase dramatically. Introduction of the universal health care would mean spending at least trillion of US dollars. US debt is already the largest one in the world and the largest in history. In order to finance these spending, some taxes would need to be increased, which is likely to lower overall economic effectiveness.

All the grounds and warrants provided above are rather obvious to an educated person. Simple economic models and laws prove that universal health care is not necessarily a remedy. Monopoly power is almost always negative, and government control over the economy is seldom effective. In the years to come medical spending are expected to reach 20% of the GDP and granting control over such an industry to the state, eliminating competition is rather dangerous.Universal Health Coverage Statement

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