Money should not be an issue to receive treatment Marisel Diaz Essay

IntroductionThe Healthc ar Reform policy sounds genuinely obscure, redden for our domiciliate of Representatives, which has been dealing with it for the past years. And for regular citizens, it is extremely complex to understand as well. During the Progressive Era, President Theodore Roosevelt was a strong supporter of wellness insurance. He believed that no country could be strong whose people were sick and poor. These days, we as well as have someone who dole outs the same philosophy, Senator Bernie Sanders, who is advocating for Universal Healthc atomic number 18. I also take the same idea as Senator Sanders, that if we need to fix the Health motor safekeeping system, it should be in order to improve the life of all, non only of those who are able to afford it. Despite the efforts of President Barack Obama, 27.6 million Americans still are without wellness insurance today (Kaiser, pg. 1).The insurance system is very complicatedAmericas Healthcare system has different kinds of insurance. For instance, life insurance, car insurance, home insurance but only healthcare insurance becomes more(prenominal)(prenominal) complicated and more expensive. Currently, the United States pulmonary tuberculosiss a combination of public and one-on-one healthcare, and the cost is one of the gamyest in the world. Insurance. Is a contract between the investment banker and insured, whereby the insurer under contacts to pay the insured a fixed amount in exchange of a fixed sum (premium) on the happening of a certain thus fart (like at in a certain fester or at death), or compensate the actual loss when it takes place, referable to the risk insured. High prices for premiums. The amount health insurance companies charge for each one month for coverage. It must be nonrecreational every month, regardless of whether you use the services or not. For instance, premiums can be paying by the employers, share by both the employees and the insured, and the plans sponsor.De ductibles. The deductible is a level expenditure that must be incurred before any benefits are paid out. Health insurance policies generally have yearly deductibles, which is less impelling in removing virtuous hazard (Dewar, pg. 59). Coinsurance. Coinsurance is the proportion of the total expenditure that is paid by the insured. Coinsurance helps to reduce the moral hazard factor for the insured who has spend more than his or her deductible because healthcare is not free to the consumer (Dewar, pg. 59) Today, 27 million people have no health insuranceThe legal age of people who are left uninsured are from low-income families or even moderate-income families that scarce cannot afford the high prices of insurance, do not have the election of obtaining insurance through their jobs, live in states where Medicaid was not expanded, or simply are immigrants who are not eligible for coverage.A solution to the high prices of health care and uninsured citizens would be the adoption of a universal proposition healthcare system. For instance, Canada has a national health insurance program, which is basically a organisation-run health insurance system covering the entire population. Universal care has proven to be less expensive and would likely improve health care access and outcomes for Americans (Gleason & Ridic, pg. 4). In addition, nationalized health care is a logical, moral imperative for the U.S., and it should be a right, not a privilege.One of the advantages of adopting a national health insurance impart be the significant stinting advantage because the entire population will have access to health care regardless of money. Most cases of bankruptcy are not caused by reckless spending. According to Deb.org, most citizens claim bankruptcy by pecuniary hardship, and many of them are low-income individuals who cannot afford to pay unexpected major expenses, for instance, payable to job losses or medical bills.According to a arena published in early 2005, 46 pct of bankruptcies were related to salient(ip) medical conditions. For example, medical expenses not covered by insurance, or losing at least two weeks worth of work because of illness (Krulick, 2012). Additionally, copayments will be insignificant to pay. Citizens will not be filing for bankruptcy collect to lack of money. Another advantage will be that physicians will take up payments on a negotiated fee service, and hospitals will receive global compute payments.Cons of adopting Universal Healthcare (Single payer system)In order to see the cons of the system, we should take a look at the outcomes and technology. I will remark that financial barrier does not exist. A research shows that approximately fifty-six percent of the respondents in Canada believed their health care system requires minor changes, and only pentad percent of the population think that Canadas healthcare system take complete rebuilding (Blendon, Leitman & Morrison, pg. 7). Overall, Canadians are very content with their healthcare system.The delay list for diagnosis and surgery exist in Canada. The U.S. could experience wait lists as well. The reason why Canada has been experiencing a waiting list could be because the government is currently spending less on healthcare than in other years. However, when Taiwan made the switch, wait times were not an issue. This could be different depending on the size of our population and how many people would habituate care once it is available to them. Higher taxes. Canada tax system represents the chief(prenominal) revenue. Many of the benefits that Canadians enjoy are made possible through taxes. For instance, the government provides roads, schools, healthcare, social security, public safety, and others benefits to low-income families, charities, students, seniors, and people with disabilities.Tax revenues provide social benefits. aging age security, Canada child tax, working income tax, universal child care benefits. Canadian resident s support their tax system by paying their fair share of taxes, and in return, they benefit from the programs and services provided by their government. Importation of medicines from other countries. Senator Bernie Sanders proposes a rule that would allow pharmaceutical companies to charge fair prices for drugs developed with taxpayer-backed research. It sounds very logical since all citizens are paying for it, prices for American citizens should be more economical. In 2013, per capita, spending on prescription drugs was $858 compared with an average of $400 for cardinal other industrialized nations (Kesselheim & Ross, pg. 12).We should be able to negotiate prescription drug prices. According to GoodRx discount, a 30-tablet supply of Invokana at a 100 mg venereal disease will set you back $411 at Walgreens in the U.S., even with a coupon. Meanwhile, a months supply of that same dose of Invokana in Canada costs about $234. Having a competition in the marketplace helps to reduce p rices and open choices for patients or consumers. Importing prescription drugs from other countries will help to lower the prices and improve the quality as well. Another counselling could be, perhaps, the use of technology such as virtual doctor appointments. transmutation is a risk, but we will never know if we do not try it out. Additionally, the life style would be improved. Reducing poverty in the U.S. should be the most important thing to do. Inequities in the structure of societal resources vary and can be striking. According to Los Angeles County subdivision of Public Health, A populations health is shaped 10% by the somatic environment, 20% by clinical health care (access and quality), 30% by health behaviors (themselves largely determined by social and physical environments), and 40% by social and economic factors. (Senterfitt et al., 2013). Sometimes, the perception of paying more does not necessary means or makes things better.ConclusionDespite having one of the tro unce healthcare systems in the world, the bureaucracy that governs the healthcare industry has to be change to be more effective and to promote health, not just decline illnesses.ReferencesAmerican Bankruptcy Institute. (2012). Annual Business and Non-business Filings by Year (1980-2011). Retrieved from http//www.abiworld.org/AM/AMTemplate.cfm?Section=Home&CONTENTID=65139&TEMPLATE=/CM/ContentDisplay.cfmhttps//www.kff.org/uninsured/fact-sheet/key-facts-about-the-uninsured-population/https//jamanetwork.com/journals/jama/article-abstract/2545691?JamaNetworkReader=True& redirect=truehttps//www.cihi.ca/en/nhex_2014_report_en.pdfhttps//www.ncbi.nlm.nih.gov/pmc/articles/PMC3633404/Senterfitt, J.W., Long, A., Shih, M., & Teutsch, S.M. (2013). How Social and Economic Factors Affect Health. Social Determinants of Health, Issue no.1. Los Angeles Los Angeles County Department of Public Health.https//berniesanders.com/issues/medicare-for-all/more.