What A New Idea To The Health Insurance Crisis In America

Monday, October 11, 2010

What A New Idea To The Health Insurance Crisis In America

A new solution to the astronomical number of Americans without insurance, the maintenance of the private health sector.

The lack of health insurance for more than 41 million Americans is one of the most pressing problems of the nation. Although most older Americans are covered by health insurance and almost two thirds of nonelderly Americans receive health insurance through employer-sponsored plans, many workers and their families remain uninsured because their employers do not or can not afford the cost of the coverage. Medicaid and State Children's Health Insurance Program (SCHIP), or HAWK-I help here in Iowa in the gaps for low-income children and some parents, but the scope of these programs is limited. Consequently, millions of Americans without health insurance face adverse consequences for health insurance coverage through displacement or abandonment and cover the uninsured has become a national priority.

The number of people who are forced to go without health insurance, just a crisis today in this country. We fell into a vicious cycle in recent decades in which to pay health insurance premiums become too expensive, even for a middle class family. This in turn results in the inability of people without insurance to cover medical costs often leads to financial ruin of the family, and in turn leads to continued loss of revenue from the medical community, which drives in turn the cost of rising medical costs, ultimately cycle back to the insurance premiums, which should lead to higher health insurance to cover the rising cost of health care.

Many suggestions were tossed about by politicians go on both sides of the island of socializing health care comparable with the Canadian system, the savings accounts for health and take action against them frivolous lawsuits against the medical community. Many of these proposals have good points, but reduce all that they make good points too much. For example, a socialized national health care system, the need for health insurance to eliminate at all costs and would benefit from the tax administration, which seems in principle not a bad idea to be worn. However, the fall of this system include a deficit in new doctors willing to give to the field because of the inevitable decline in income, while demand will grow because no personal responsibility. In short, if people do not over-payments or co-payments, which usually hold the person, take care from seeking treatment for minor things, they would simply go to the doctor every time I have I had severe pain or suffering. So now we have queues for people with health problems because everyone has a date and at the same time that the doctors are losing because of lack of incentives.

The current battle cry of the Republican Bush administration pushes HSA (Health Savings Accounts) to reduce the premium, the tax-favored a less expensive high deductible health insurance with a savings account that earns a little interest in being able along the coast of the premium each month . be taken for all withdrawals from savings accounts for medical expenses "tax-free, unlike a Flexible Spending Account, how many people know instead of business plans that are not money that you used not taken into account. Basically, if you do not use this money may be withdrawn or in another vehicle rolled once again 62 penalty in the savings account will not be used for retirement. This is a viable option for some people, but for most of the premiums for these plans are too expensive, and the problem is that if you are an important treatment option in the early years of the policy does not have large enough savings account to cover the gaps left responsible for a large part of the costs of its pocket.

We come now to what I think is one of the biggest problems of an insurance agent for the disease, which is the inability of people with health problems for existing coverage. The number of people in my office for health insurance, I would say about half of them have a health problem or a decrease in insurance of persons or to a change in drivers, including mainly the cover for claims relating lead with this demand. An example of a state that I always get high blood pressure or hypertension. This condition is sometimes result in a company to refuse an application all together if there are other factors involved, but rather in general, lead to a change in driver exclusion. You may think that this is not much, after all, the blood pressure medications, the only thing required to pay out of pocket would be, but what do not know many people is that this clause is to exclude all that part of this condition could be regarded as are heart attacks, strokes and aneurysms that all lead to a strong demand from the bag. Consider the fact that my father, a double bypass operation, which had ended recently with a final bill of about $ 150,000. This sum would have to leave the pocket of drivers with hypertension in health insurance, not the additional cost of two months' leave are included in the mixture. been in a modest income of $ 40,000 for this year would be ruined financially.

And this is how to solve this problem? It is clear that the proposals to date from the beginning, and even if one of these plans has gained the support of the American people may never become law just because of political bickering was faulty. Those who privatized health care, while the other will make to want to keep, as we have already said that both have advantages and disadvantages. It seems we are on this and no real ideas or light in the tunnel on the right condemned? Maybe not, let me tell you about a client in my office I had a couple of years.

A young woman came to compare the willingness to want health insurance to see if there is no chance for her and her family. They had several children and was in the Title 19 Medicaid and was paid to the university by the state will. She had recently finished college and landed a job at the local school system, but for some reason she was not eligible for health insurance. Obviously it is not yet able to afford, 5 or 6 hundred dollars a month for a plan, and he returns to the aid office and explained his situation. He landed have worked with us to make an acceptable plan for private health insurance and reimbursement of a percentage of the cost that I did not even know it was possible to find!

It made me think, to reflect much more people could get coverage if they can be made by the government as a percentage of premiums to income. For example, with a young couple in the 20 years with a son, let's say your family income is $ 25,000 and the average premium of $ 500 deductible health insurance for them is $ 450. For example, say that the government has found that a family of three with an annual income of $ 25,000 is reimbursed 50% of the premium to what the actual costs the family $ 225 per month. It is now affordable enough premium for the whole family into account.

With the merger of private insurance for government aid to the best of both worlds. Of course the next question goes to cost far cost the American taxpayer and how much it would increase the tax? I do not think that it cost taxpayers would be much more here, I think: First, we want to reduce the significant reduction in the number of uninsured people who can not afford the medical care they receive in turn, overall health care costs. Second, the number of people who are forced into bankruptcy and led to the Title 19 Medicaid assistance because of medical expenses resulting from catastrophic illnesses that would clearly not have health insurance is to be reduced. It is important to note, if you consider that someone on Medicaid, the health care received in the first instance 100% drop from the government so that there is more incentive not to keep looking for treatment for minor illnesses or non-existent. On the other hand, many conditions have not been captured before they were serious because a person is not intended to treat, because the are not with insurance cover, before an application is catastrophic. Finally, if the government provides a certain sum of money to cover claims by people who already existing private insurance companies could end up with exclusions and declines due to health problems existing, as and in some states such as Iowa HIPIOWA comprehensive plan in Iowa, the can not get coverage anywhere else provides.

You can sit there thinking that it just and righteous, that these ideas could be applied thought, but all these ideas are already running. The problem is that few States, some programs and not the majority, including insurance agents know that some low-income families may want to get the reimbursement of health insurance premiums. If these programs were standardized and implemented national advertising and I think it would be a hell of a dent in the uninsured population in this country. Well, I claim not to know what levels of reimbursement should be for what income is, but I know that everything is better than nothing, and I think this is the best term we could find. Democrats would be happy socialization aspect of the Declaration and Republicans should be happy that privatized health to this solution a better chance of party support remains.

I faxed this idea, several senators and congressmen but always received the same kind of standard reply, such as health care and handle works hard to know a solution that can find no one to even read my letters. The only way to get these ideas in public is for this option to others by word of mouth, e-mail or by linking their sites to this site to give reading. If enough buzz is created, so that these ideas the consideration they deserve, and if enough people like you and I asked, a solution can perhaps too much weight, the policy should be placed to do something. The number of uninsured Americans increased to only increase the cost of health care and not increase the cost of health insurance premiums even if nothing is done now! Until then all I can do as a health insurance agent, is to be compared to all the options and is the lowest of all evils that too often the chosen option is shown to be the greatest evil of the will without cover.

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