Benefits of health insurance on access to care
Access to care refers to availability of personal health services when it is required in order to achieve the best and required health outcomes. Access to care has four apparatuses, that is, qualified workers, timeliness, availability of needed services and coverage that involves enabling more people to be in the care system (AHRQ, 2018). The health insurance allows more people to be insured and thus have access to health care services. For example, the Affordable Care Act made the health insurance providers to onboard more people by allowing children under the age of 26 to remain on the health plans of their parents and preventing people with existing conditions from paying more premiums or being discriminated by health insurance providers.
Benefits of having health insurance
No one knows how his or her health status will be tomorrow and thus it is good to have a health insurance plan. Health insurance plan prevents one from incurring huge unexpected medical expenses. This can arise due to normal illnesses or accidents. The second benefit of health insurance is that it gives a person peace of mind. This is because ono one is worried about the future of his or her dependents like college education and normal expenses (HealthCare.gov, n.d.).
Barriers to accessing healthcare
The income disparity is number one reason why the Americans do not have access to healthcare. For instance, the rural population cannot affordable the high healthcare charges. Due to their financial constraints it is impossible for them to have access to qualified medical professionals in their areas. The second barrier in accessing healthcare is lack of health insurance. It is impossible for people without medical covers to seek medical attention even when they are sick due to high cost of health services. The high premiums charged by health insurance providers and restrictions in government funded plans are a roadblock that makes many people live without health insurance covers.
Recommendations of removing the insurance barriers
One, the government should put in place mechanisms of bridging the gap that exists due to income disparity. This may include providing subsidized health care plans to people with low income, fully funding rural medical facilities and paying health professionals working in rural areas a better pay to lure them to remain in remote areas, and formulating health policies that favor low income earners (Douthit N, 2015). Two, there should be a legislation of regulating the escalating fees charged by health providers. By regulating what is charged people will have confidence with the medical bills they will be paying.
The Affordable Care Act
The act was formulated with patients in mind. The major goal being to increase coverage and access to health care services. Before the Act came into force in 2010, a huge number of the American population were not in the health care system. Two, the Act was intended to slow down the cost of health care. But, the latter goal has not been realized as medical care charges continues to rise due to shortage of health care professionals.
Access to care refers to availability of personal health services when it is required in order to achieve the best and required health outcomes. Access to care has four apparatuses, that is, qualified workers, timeliness, availability of needed services and coverage that involves enabling more people to be in the care system (AHRQ, 2018). The health insurance allows more people to be insured and thus have access to health care services. For example, the Affordable Care Act made the health insurance providers to onboard more people by allowing children under the age of 26 to remain on the health plans of their parents and preventing people with existing conditions from paying more premiums or being discriminated by health insurance providers.
Benefits of having health insurance
No one knows how his or her health status will be tomorrow and thus it is good to have a health insurance plan. Health insurance plan prevents one from incurring huge unexpected medical expenses. This can arise due to normal illnesses or accidents. The second benefit of health insurance is that it gives a person peace of mind. This is because ono one is worried about the future of his or her dependents like college education and normal expenses (HealthCare.gov, n.d.).
Barriers to accessing healthcare
The income disparity is number one reason why the Americans do not have access to healthcare. For instance, the rural population cannot affordable the high healthcare charges. Due to their financial constraints it is impossible for them to have access to qualified medical professionals in their areas. The second barrier in accessing healthcare is lack of health insurance. It is impossible for people without medical covers to seek medical attention even when they are sick due to high cost of health services. The high premiums charged by health insurance providers and restrictions in government funded plans are a roadblock that makes many people live without health insurance covers.
Recommendations of removing the insurance barriers
One, the government should put in place mechanisms of bridging the gap that exists due to income disparity. This may include providing subsidized health care plans to people with low income, fully funding rural medical facilities and paying health professionals working in rural areas a better pay to lure them to remain in remote areas, and formulating health policies that favor low income earners (Douthit N, 2015). Two, there should be a legislation of regulating the escalating fees charged by health providers. By regulating what is charged people will have confidence with the medical bills they will be paying.
The Affordable Care Act
The act was formulated with patients in mind. The major goal being to increase coverage and access to health care services. Before the Act came into force in 2010, a huge number of the American population were not in the health care system. Two, the Act was intended to slow down the cost of health care. But, the latter goal has not been realized as medical care charges continues to rise due to shortage of health care professionals.
