Health Care Policy: A Comparative Analysis of US, Germany, Nepal

This essay provides a comparative analysis of the healthcare systems in the United States, Germany, and Nepal. It begins by examining the US healthcare system, highlighting issues such as rising healthcare premiums, the impact of high costs on individuals, and the successes and challenges of the ...Read More

Running Head: Health Care Policy 1
Health Care Policy
Student’s Name
University

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Introduction
The journal has clarified on different issues while taking a gander at the United States
(US) and Germany human administrations structures. I agree with the data delivered by the
makers of the two country's human administrations structures. This paper will like this illustrate
how the two social protection systems have been highlighted and how they relate to Nepal's
restorative administration's structure. Germany has the best model of restorative administrations
game plan execution while the US is so far endeavoring to give quality and sensible premiums
for its locals. Nepal is however not at standard with the two states.
Restorative scope
The US locals have particular sorts of assurance premiums that cover for their restorative
administrations however those that are financially unstable can't pick up a segment of its points
of interest. The journal gives out data on those its execution methodology. A remedial degree in
2014, 73 percent had no shy of what one for the term of the day workers in the family and 12
percent had no shy of what one low upkeep experts in the family Perez et. al (2015). The
uninsured rate among the all inclusive community who had not worked any short of what one
week moreover decreased from 22.2 percent in 2013 to 17.3 percent in 2014. All the more little
firms are completely all the more unwilling to give extraordinary supportive conditions to full or
low upkeep experts. Among each and every firm (3-199 pros) in 2015, only 56 percent offered
thriving degree, rose up out of 98 percent of clearing firms.
Rising Healthcare Premiums
Medicinal degree premiums in the U.S. are rising quick. From 2005 to 2015, current
yearly therapeutic degree premiums for family scope expanded 61 percent, while expert
commitments in regards to those plans augmented 83 percent in a similar period. This rate of

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improvement outpaces both change and intensifications in virtuosos' wages. In 2005, the regular
yearly premiums for business reinforced restorative growth were $2,713 for single degree and
$8,167 for the family scope. In 2015, discounts more than stretched out to $6,251 for business
kept up a solitary degree and $17,545 for supervisor kept up family scope Perez et. al (2015). An
impacting number of specialists to go up against a deductible of $1,000 or more for just
diagrams. In 2015, 46 percent (showed up contrastingly in relationship with 38 percent in 2013
and 22 percent in 2009) of laborers were picked in an approach with a yearly deductible of
$1,000 or more. Experts at little firms are more conceivable than those wherever firms to have a
deductible more basic than $1,000.
Changes in variables such as health system, geographical location, and socio-economic
factors may change the results. Secondly, subjective segments of the questionnaires that are
teacher sentenced are expected to be biased considering the emotional student-teacher
relationship. This, however, does not cover up the fact that the authors reveal a lot of areas to be
considered for further research. They recommend the need to review education systems that
focus on student growth and to highlight the teacher's importance in creating sustainable positive
relationships in learning centers Lorenc et al. (2014). They also conclude and emphasize that the
education system must have it at its cornerstone that the eventuality of a student is being a
responsible, well mannered, successful and diligent citizen. The student's final destination later
in life cannot be overshadowed.
In the South, 41 percent of firms point by point giving ideal conditions for same-sex
assistants (showed up diversely in relationship with 51 percent in the Northeast) and 20 percent
down to business offering central fixations to talk sex private extra things (ascended out of 46
percent in the North

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High Costs Drive Americans into Bankruptcy
Regardless of what you look like at its extension, in countries like the United Kingdom,
Switzerland, Japan, and Germany makes the measure of liquidations related to therapeutic costs
immaterial. Then again, a 2014 review of bankruptcies recorded in the region of 2005 and 2013
found that master's visit costs are indisputably the most persuading motivation for purchaser
liquidation, with between 18 percent and 25 percent of cases organize affected by huge
responsibility Wu & Xu (2016).Using the concepts of social cognition and attitudes, emotion,
and pro-social behavior, and, behavior in workstations and educational settings; the author
successfully exploited ideas behind lasting psychological consequences that originated from
diverse upbringings. In my opinion, the integrative model does not clearly indicate how the
information would be applicable to societies that have different social variations and inconsistent
economic attributes. A change in any of the material conditions means that the model would also
be different. However, the classes will still exist due to the perceptions created by the society
through classifications of ranks.
According to the overview of the article by Manstead (2018), societal factions are hugely
determined by economic basis. This is done in a progressive manner, from childhood, through
school to an individual's working environment. He has given collaborative evidence of how
material circumstances have influenced social behavior. The author uses data from the British
Social Attitudes Survey and finds out that individuals' classes are an important aspect of their
views on political inclination.
The first part of the article expounds on indicators of social class and how individuals perceive
themselves in the society. The approach which defines an individual by simply either being a
worker of an owner, in my opinion, is subjective. The author also includes a second approach of

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the socioeconomic status, whereby individuals categorize themselves based on their educational
status and economic position. Another examination found that in 2013, 56 million Americans
more vigorous than 65 experienced bother paying healing bills Perez et. al (2015). Another 10
million will go up against patching office costs they can't pay insulting having year-round
confirmation. It has been proposed, in setting of the experience of Massachusetts, where healing
related bankruptcies declined commandingly after the state requested its prosperity change law in
2006 that the ACA may help diminish such liquidations later on.
The Affordable Care Act: Successes and Remaining Challenges
The act uncovered different essential changes to the U.S. human association’s structure in
the region of 2011 and 2014. Approaches interlaced into the ACA are proposed to stretch out
access to human associations scope, increase client requests stresses detesting and success, and
drive verification based treatment and finish abundancy attempting to check rising healing
associations cost Wu & Xu (2016). The most critical development grabs were concentrated
among low pay people, ethnic minorities, and young adults, each and every one of whom had
high uninsured rates as of now in 2014. A key outline of the ACA was the arrangement of
productive expansion business focus exchanges where individuals not formally secured by a
business gave chart or a program, for instance, Medicaid or Medicare can scan for the remedial
degree Lorenc et al. (2014). In the long run, only 14 nations work their particular trades.
Proposed to drive the contention among providers and pass on choice straightforwardness to
customers, the state-based exchanges have every single one of the stores of being doing just that.
A present examination by the Commonwealth Fund found that the measure of the move down
plans offering noteworthy expansion through the business focuses extended from 2014 to 2015.
Besides, there was everything seen as no reported extension in standard premiums for business

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focus outlines over that period. The examination found only a humble increment in current
motivations for the most diminished cost plots from 2015 to 2016.theast).
Nepal Healthcare System
Nepal healthcare policy has over the years come up with policies drafted for legislation.
Researchers in the Nepal healthcare policy came up with the issue of considering the
trustworthiness of nurses in improving quality health care. Lorenc et al. (2014) argue that
incentives have purely been based on profitability, pressures from the markets, power wrangles
in organizations and salary increments. A different approach which includes the judgment of
nurses in administering their professional services to patients is crucial. They argue that high
quality care depends on the nurse-patient relationship, it is all about the discretion engaged and
not the guidelines set Misra(2014). The authors have drafted a bill for review by congress and
are in the process of bringing more like-minded scholars and researchers, policy makers and top
health staff on board to visualize their policy. They are however still mobilizing support.
There are however missing gaps in making the policy a success. Considering, its non-
profit approach, media coverage has become an impediment. The group has faced criticism with
media reports scrutinizing on areas of financial support. Authors based their criticism on the fact
that Medicare is a capitalistic approach and not a cause of social justice Oliveira & Doll
(2016).They argue that funds are needed for nurses to study in form of incentives and
scholarships. Nurses need drugs and equipment to facilitate their efficient delivery of services
and therefore their approach of trustworthiness is not sufficient reason for policy drafting. The
association has also faced hurdles in convincing nurses from states such as Georgia and
California. The group is however still liaising with members of congress and health stakeholders.

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The World Health Organization recognizes health care as a right to every individual. It is
considered as a basic necessity and should be accessible to people of all ages. Health care alone
cannot stand out without alignments in areas such as sanitation, proper and decent housing,
access to clean water, food security and sensitization on matters related to health Wu &Xu
(2016).Constitutions all over the world have adopted and implemented in their local laws the
right to health care of their citizens. Implementing this therefore means that infrastructure should
be adequate. Physical infrastructure includes: hospitals and community health centers; goods
such as fully equipped facilities and availability if drugs in those facilities. The reason that I
support healthcare being a right and not a privilege is that human right standards can only be
achieved if healthcare is accorded Chapman & Capon (2016). Equity can only be achieved if
every individual is not discriminated on matters of health. Age, gender, sexual orientation,
language, income status, nationality, race, and religion should not be impediments to access to
quality health care.
States and governments should ensure that they fund and financially support the health
care system in their regions to ensure that quality of medication is optimum; standards and
control mechanisms have been adhered to. There should also be a follow up to ensure that
services are centered on the patients. Through social justice, the right to health care is an
elaborate tool. Medical goods and services should be disbursed in a need basis manner. There
should be shared responsibilities from both the governmental organizations and the non-
governmental bodies Jiang et. al (2015). An aspect of collectivism over individualism should be
assimilated to ensure that equity is assured. Insurance schemes that are people centered, with
minimum capitalist goals should be educated on citizens. Statistics show that uninsured people
have a high mortality rate compared to insured people. Having insurance schemes is not a full

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solution, under insured people cannot access full medical covers due to huge costs of drugs and
services from medical facilities.
Conclusion
It is important to note that medical costs can render individuals who have worked there
entire life bankrupt. Retrenchments, loss of jobs, divorces, and fatal accidents may raise medical
bills to patients and lead to loss of lives. As indicated by the most solid contention for
arrangement intercession starts with the distinguishing proof of circumstances in which markets
fall flat or don't work proficiently Wu, X.,&Xu, B. (2016).. This precisely speaks to the U.S.
medicinal services framework. Besides, wellbeing arrangements regularly come as a result of
open social approaches instituted by the administration and an applicable case is the
development of medical coverage scope. This is an essential advance to subsidizing medicinal
services as a fundamental human right. Maybe Medicare isn't a 'one size fits all' medicinal
services alternative, however it surely offers a system for people in general subsidizing of
medical coverage as an essential human right, went for giving scope to every single American
native, controlling social insurance costs and killing individual and budgetary misfortune
because of restorative uses. With a few alterations, it could offer a practical arrangement.

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