Medical Insurance and the Uninsured
Everyone in the world needs health insurance, but unfortunately not everyone does. With health care costs rising at a rapid pace from doctors, hospitals, and urgent care centers, it can be financially devastating for anyone to be without medical insurance.
According to government research estimates show that over 40 million people in the United States are not insured by any type of medical insurance either through work or an individual health insurance plan. That's a tremendous amount of people who are taking a huge financial gamble. These people are one accident or sickness away from potential financial ruin.
Most Americans have their health insurance through their employers. There is a growing number of Americans who are forced to decline the medical insurance offered to them through work because their part of the premium is more than they can afford to pay.
The unemployed, self-employed, and part time workers simply do not earn enough money to afford a good health insurance plan. Many despite working or drawing unemployment can afford private health insurance or COBRA or can't get coverage due to pre-existing conditions. It is estimated that nearly 15% of the United States population currently is without medical insurance of any kind.
It is too early to determine what the long term results may be of this trend in uninsured Americans. Seeing that young children are not getting regular health care, there may be lasting effects both medically and in how health care is viewed when these children become adults.
Needless to say, everyone should obtain some form of health insurance. At some point everyone will need medical care from a hospital or a their family doctor.
Closing Comments
The 80 million uninsured Americans have options for acquiring health insurance, many just don't know where to look or who to ask help from. Many carriers now offer high deductible plans and health savings accounts that don't require employer participation to get. - 23211
According to government research estimates show that over 40 million people in the United States are not insured by any type of medical insurance either through work or an individual health insurance plan. That's a tremendous amount of people who are taking a huge financial gamble. These people are one accident or sickness away from potential financial ruin.
Most Americans have their health insurance through their employers. There is a growing number of Americans who are forced to decline the medical insurance offered to them through work because their part of the premium is more than they can afford to pay.
The unemployed, self-employed, and part time workers simply do not earn enough money to afford a good health insurance plan. Many despite working or drawing unemployment can afford private health insurance or COBRA or can't get coverage due to pre-existing conditions. It is estimated that nearly 15% of the United States population currently is without medical insurance of any kind.
It is too early to determine what the long term results may be of this trend in uninsured Americans. Seeing that young children are not getting regular health care, there may be lasting effects both medically and in how health care is viewed when these children become adults.
Needless to say, everyone should obtain some form of health insurance. At some point everyone will need medical care from a hospital or a their family doctor.
Closing Comments
The 80 million uninsured Americans have options for acquiring health insurance, many just don't know where to look or who to ask help from. Many carriers now offer high deductible plans and health savings accounts that don't require employer participation to get. - 23211
About the Author:
Hubert Miles is a blogger for many websites and the webmaster of Health Insurance Advice and Health Insurance Tips websites.
posted by X - Men @ 5:14 AM
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