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Posted: August 29th, 2022

Why are so many people uninsured and underinsured

 It is unfortunate that here in The United States, we fall so short concerning our health care system. With advancements in technology and high-tech devices for care, it may seem to some that we, as a country, are providing impeccable health care to our citizens. Providing the best innovations to patients is one thing, but not having access to them is our downfall. Despite the healthcare systems best efforts to ensure everyone has access but enacting programs like what the Affordable Care Act offers, there still were “26% of U.S. adults 19 to 64 years of age had a gap in their insurance in 2011; in 69% of those, the gap lasted longer than a year.” (Carter, 2014: 2024 – Essay Writing Service. Custom Essay Services Cheap)
People lose their access to healthcare for many reasons. In some cases, citizens lose their employment which had previously provided their healthcare their benefits. A study published in 2017 by Nicholas A. Jolly and Brian J. Phelan, reported that an individual without children who lost their job was highly unlikely to seek alternative health insurance coverage that is no longer supplied by their previous employer. (Jolly, N. and Phelan, B., 2017). The reason being they stated is because individuals with children were more likely to be married and could seek alternative insurance through their spouse. (2017) According to the most recently available information provided by kkf.org, even here in Massachusetts, 55% of people were on employer-provided health insurance in 2018: 2024 – Write My Essay For Me | Essay Writing Service For Your Papers Online. (“Health Insurance Coverage of the Total Population”, 2020)
Another group often experiencing gaps in insurance coverage are young adults. It is said that this particular group sees the most changes in insurance eligibility or changes than anyone else. (Tilley, L. L. et al ,2018: 2024 – Write My Essay For Me | Essay Writing Service For Your Papers Online). Tilley reports the reasoning behind this instability is “due to transitions in employment, income, college status, or family structure”. (Tilley, L. L. et al ,2018: 2024 – Write My Essay For Me | Essay Writing Service For Your Papers Online) In a study done in California, many young adults would only realize they did not have health care coverage when they were denied payment coverage for a service they were seeking. (2018: 2024 – Write My Essay For Me | Essay Writing Service For Your Papers Online)
While the gaps in coverage can be explained by employment changes or the lack of health insurance literacy amongst young adults, it is young children in Florida that are found to be without insurance coverage at all. In 2018: 2024 – Write My Essay For Me | Essay Writing Service For Your Papers Online, Florida reported a 6.2% rate of children uninsured in its state. (Alker, J. and Wagnerman, K, 2018: 2024 – Write My Essay For Me | Essay Writing Service For Your Papers Online). While it was stated that this is an all-time low due to the Affordable Care Act, any number of uninsured children should be considered significant. (2018: 2024 – Write My Essay For Me | Essay Writing Service For Your Papers Online) Alker said, “research shows that expanding Medicaid under the ACA 15 for adults leads to a “welcome mat effect” for children; children were less likely to be uninsured as their parents enrolled in Medicaid through the expansion.” (2018: 2024 – Write My Essay For Me | Essay Writing Service For Your Papers Online) Increasing the parent’s health insurance literacy could improve the lack of coverage in children.

There is no doubt The United States health care system needs improvement. Understanding the trends of why citizens have gaps in covered and why children are being left uninsured will hopefully have a positive outcome in future decisions regarding the system.

Respond to above article in 200-250 : Give an analysis of the impact on quality of care generated by these coverage gaps and the non-financial barriers to access .
 
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