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A Healthier Nation

Updated on September 15, 2014

Medical Problems

Ralph was a 37 year old man with diabetes. Due to back problems he was unable to work and therefore, unable to afford health insurance. Since he had no extra money or health insurance he was unable to use medication to control his diabetes, and his diabetes got out of hand. On one visit to the hospital his blood test showed signs of kidney failure and after the evaluation from a specialist it was found that he needed to have a kidney transplant. Since he was on a kidney transplant list only then was a finally able to receive the healthcare insurance then was he had needed for a long time[1]. This is just one of many stories showing the problems that our current healthcare system has. Healthcare insurance should be provided to all especially those that really need the help. For that reason government should provide health insurance, because it is cheaper and will be provided to all Americans.


[1] Matthews, Robert. The Journal of Nuclear Medicine, "snmjournals.org." Accessed November 16, 2011. http://jnm.snmjournals.org/content/49/9/1564.short.

Government Provided Insurance

The main reason that government should provide healthcare insurance to all is because it would be a lot cheaper. About 50 million Americans do not have medical insurance and this number is growing. Many Americans are suffering financially because they can’t afford insurance and they have medical problems or have had an accident. These hospital visits are extremely expensive and cause many problems for many Americans. One of the biggest reasons for bankruptcy is medical expenses[1]. The reason that government provided healthcare would lower the cost of medical insurance is because it would lower the cost of premiums. A recent study showed that 12.5% to 30% of premiums from private insurers are from administrative costs, while on the other hand government provided healthcare (Medicaid and Medicare) showed that about 5% of the cost of the premium is from administrative costs[2]. Switching to government insurance would lower the cost of premiums that people would have to pay making it more affordable to people.


[1] Dreier, Peter. Occidental College, "scholar.oxy.edu." Accessed November 17, 2011. http://scholar.oxy.edu/cgi/viewcontent.cgi?article=1113&context=uep_faculty&sei-redir=1&referer=http://scholar.google.com/scholar?hl=en&as_sdt=0,45&q=%22biggest+cause+of+bankruptcy%22

[2] Holohan, John, and Linda Blumberg. Urban Institute, "urban.org." Accessed November 17, 2011. http://www.urban.org/UploadedPDF/411762_public_insurance.pdf.

Pros and Cons

  • Everyone will receive the care they need
  • Lower insurance rates
  • Loss of jobs
  • Lower quality of healthcare

Downside?

What is the downside to a government provided insurance program? Are the ER wait times longer? What about the medical service, does it make it worst? Are there any downsides? Many of you have probably heard some of these downsides. Canada has actually reported having similar ER wait times as the US and sometimes the ER wait times are actually lower. What is a true downside? For one lets think about the jobs. Going to a government provided health insurance program would essentially get rid of many health insurance companies. There are many health insurance companies with offices all over the United States. Many of these are national companies and many are local. Think about how many jobs this would get rid off. Another downside is the amount of power over the healthcare market it would give the government. With the government owning all of the health insurance market they could control the prices of visits to the ER, procedures, prescriptions, and basically anything else that has to do with healthcare. If the prices get lowered too much this will lower the wages of doctors and the overall quality of healthcare facilities. It will also deter future doctors and scientists from entering these fields.

What healthcare model is better?

See results

Private Insurance System

This is the system that was used before Obamacare. I mentioned the biggest problem earlier which is that the people that have existing problems and need insurance the most won't get the help they need. Why does this problem exist and how does the private system work? When a relatively healthy person signs up with an insurance company. They will end up paying a lot more money to the insurance company then the company will end up paying to healthcare providers on the customers behalf. When a sick person (or a person with an existing condition) signs up then they are a big risk to the insurance company because there is a chance that the insurance company won't make a lot of money on them or even take a loss.

What's your opinion?

What is the best system? Is it government provided, private, or is there a way to do both that would be better? I want to know you opinions and your ideas of what we should do.


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