Healthcare And The Problems It Causes

With health care on the rise and the demands for health care the unmoneyed can not receive the same level of care as a person with financial wealth. According to the Annual Social and Economic Supplement (ASEC) and the Current population Survey (CPS) 60.4% of people in 2003 had employment based health insurance, 26.6% had government health insurance, and 15.6% were without health insurance. In 1997 98 million people who were offered health insurance, 13 million of those chose not to participate. Of those 13 million 3 million stated cost was the reason they didn't participate and 10 million had coverage through another source. (US Census 2006)

In 2005 health expenditures rose 6.9% two times the rate of inflation. Total spending rose to $2 trillion or $6,700 per person. Nearly 47 million Americans are uninsured, causing the United States to spend more on health care than other industrialized nations. Those countries provide health insurance to all their citizens. Due to the rising cost of health insurance most people are not insured. If a member of the family was in an accident or became seriously ill and had to spend one night in the hospital, or have a costly procedure, the resulting medical bill can affect the stability of the whole family. More than 25% of people say that housing problems are a result of medical debt. Since health care has increased along with the increase of health insurance charity facilities are over crowded and under staffed. This causes many ill patients to wait several hours in waiting rooms. Many leave without seeing a physician or having test ran. According to Dr. James B. Falterman Sr. the health care system is a joke. Dr. Falterman Sr. stated "a person with a serious illness can wait 3 weeks or longer for an appointment at a charity facility". Patients who decide to wait have no choice since they are unable to afford medications and treatment from a private health care physician.

USA Today, The Kaiser Family Foundation, and The Harvard School of Public Health conducted a survey and found that families affected by a serious illness has a devastation impact financially on the whole family. 1 in 4 families affected by a serious illness caused them to use most of their savings. 1 in 8 people say they have borrowed money from family. 1 in 10 say they have trouble finding insurance and 6% have lost their coverage. For those who don't have insurance the financial burden is greater. When faced with a serious illness in the family most decided to go to charity facilities. Some decided to delay or not receive treatment due to the cost. The financial burden of not having insurance has caused many to not be able to afford the basic necessities and most have filed for bankruptcy.

Many people who become seriously ill lose their jobs and are forced to become dependent on substandard programs such as charity facilities and state funded programs. The most popular state funded program is Medicaid. Medicaid has the largest share of state budgets around 22% which is more than education and grows by 8% a year. Medicaid programs funds over 1/3 of the births in the United States. It is a $330 billion program that covers more than 50 million of the poorest, including elderly, disabled, children and their mothers. Since the early 1990's Medicaid has helped the financially challenged receive healthcare. Medicaid has joined with Amerigroup, WellCare, Centene, and Molina to help provide care. These companies now have 22% of the Medicaid market and collect $9 billion in annual premiums.

Many Americans are finding it harder and harder to get individual health care coverage. Insurance companies are turning down people citing preexisting conditions. In Santa Cruz, CA a 42 year old woman in good health was turned down for preexisting conditions. According to the woman she was never diagnosed or treated for any illnesses. In Bradenton, FL a woman was forced to drop her kids from her health care coverage when she became seriously ill. She was forced to choose between coverage for her family or treatment and medications to keep her alive. In Glen Burnie, MD a 35 year old single mother has to pay over $200 a pay period for coverage. She had to turn down coverage and apply for assistance through the state. In Brentwood, TN a 49 year old woman lost her medical coverage while in the hospital recovering from emergency surgery.

The rise of health care is affecting everyone. Many working class people can not afford insurance. 27 million working Americans are without insurance coverage due to the high cost of premiums. The United States spends $100 billion on health care for uninsured each year. Of those who can not afford health care 1.8 million work in health care. Two million people avoid medical care due to high cost. The yearly cost of health insurance premiums is $11,500 nearly a quarter of the average house hold income. (Smith 2007)

As health care continues to rise there is steady erosion in the proportion of workers covered under employer-based planes. Employee sponsored health insurance is the primary source of coverage for working individuals. With the cost continuing to rise employers are find it difficult to provide comprehensive coverage to its employees. Many individuals turn down employer based plans and seek coverage through the individual market but never end up buying. They find it either difficult or impossible to find a plan that meets their needs or one that is affordable. A person with an individual plan often give their plan a lower rating, pay more out of pocket premiums, face higher deductibles, and spend a greater percentage of their income one health related expenses.

Individuals covered by high deductible plans have a greater financial burden. Adults with a deductible of $1,000 or more per person spent 10 percent more of their incomes on premiums and other medical expenses. Persons who enrolled in higher deductibles are less satisfied with their coverage than those with a lower deductible.

Only 29% of adults with high deductibles are satisfied with the quality of care