Private Insurance: A Threat to US Healthcare

Running Head: PRIVATE INSURANCE: A THREAT TO US HEALTHCARE
PRIVATE INSURANCE: A THREAT TO US HEALTHCARE
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1PRIVATE INSURANCE: A THREAT TO US HEALTHCARE
Health care is considered to be one of the important factors that require adequate
planning of the government and at the same time highlights the importance of the medical
facilities in order to create a flexible framework for the patients. In this regards, the health care
insurances play a significant role. Medicine is identified as a big business in United States
(Marks et al. 2017). In fact, since 1980 the costs in medicine have been escalated in an emphatic
manner with a rate of $2.6 trillion annually (Bhowmik et al. 2018). In this context, it becomes
important for the patients to cover a health insurance policy. Hence, the essay is going to
illustrate the role of private health insurance in increasing the costs of medical facilities. It is in
fact can be asserted that due to this escalation in the medical facility a number of people who do
not have that amount of money are deprived to get emergency medical facilities. Furthermore,
the discussion is followed by some preventive measures that are beneficial in order to make the
medical facilities accessible to every US citizen.
It can be argued that there are a number of reasons that foster obstacle to the health care
facilities in United States. In this regards, a direct free system is prevailed in the health care
sector of United States. According to this system it can be argued that patients under 65 are
expected to pay medical costs themselves aided by private health insurance (Marks et al. 2017).
It can be argued that 54 percent of the Americans have private insurances (Bhowmik et al. 2018).
About 29 percent have some form of public insurance and 16 percents are uninsured. Among this
16 percent almost 50 million Americans including 8 million children lack health insurance
(Myers 2017). As a result of that the health insurance has deadly consequences as it seems less
preventive health care service and the uninsured Americans. As a matter of fact, most of the
health care insurances are private in nature and have lots of terms and conditions. Expensiveness
is the main feature of those private insurances. Therefore, people with little income of money

2PRIVATE INSURANCE: A THREAT TO US HEALTHCARE
have no way to afford it. As a result of that the mortality rate in United States has become a
growing tension for the government.
In this regards, there are some policies that can be altered the growing issue regarding the
health care insurance. Most of these policies are taken by the US governments. In this regards,
the policy is related to the Entitlement Reform. According to this theory, the US government
planned to spend $385 billion to the Medicaid program (Burwell 2015). In this regards, the
Prescription rug Pricing is another reform that incorporates 25 bills and several congressional
health care measures to cope with the growing trend of health care insurance. Moreover, the
President’s Emergency Plan for AIDS Relief (PEPFAR) is identified as a landmark in the history
of healthcare in United States (Dai 2015). The principle cause to introduce this program is to
combat with the most dangerous and complex diseases like HIV or AIDS, tuberculosis and
malaria epidemics. As a result of initiating this program, bulk of financial aids has been
generated for the help of the people who have no ability or money to sign insurance.
In this regards, the health care workforce program is also relevant into the discussion. It
is enacted by the Public Health Service Act in 2018 (Gpo.gov 2018). In this program, nurses and
health professionals are incorporated. Not only that but this program also includes Children
Health Graduate Medical Education Program and the Teaching Health Centre Graduate Medical
Education Program (Bhowmik et al. 2018). The purpose of this program is to train the medical
professionals and the nurses in order to give the patients best facilities. Moreover, the program
intertwined with reducing the expenses in private medal health care insurance by putting more
stress on the public programs and government sponsored policies that are primarily developed
for the benefit of the common people (Marks et al. 2017). The government expects that these