Grand Canyon University Effects of Health Insurance on Care Discussion Paper

In the United States, most individuals obtain health insurance through their employer. Briefly describe the impact of health insurance on access to care and health outcomes. Is a reliance on employer-based health insurance plans ideal for the individual, health care providers, employers, and society? Should the federal government have a more prominent role in providing health insurance? Explain and defend your positions with evidence, and recommend a policy action that aligns with your position.

Expert Solution Preview

Introduction:
Health insurance is an essential aspect of the American healthcare system. The majority of individuals in the United States acquire coverage through their employers. However, the reliance on employer-based health insurance plans has both positive and negative effects on access to care and health outcomes. This answer will examine the impact of health insurance on access to care and health outcomes, evaluate the principle of relying on employer-based health insurance plans for individuals, health care providers, and society, and recommend a policy action that aligns with the presented position.

Answer:
Health insurance allows individuals to access medical care, which improves health outcomes. Health insurance coverage helps individuals obtain timely care when they require it, which reduces the progression of illnesses and improves recovery. Health insurance significantly lowers out-of-pocket costs, which are a significant barrier to accessing care, especially for individuals with low-income. On the other hand, reliance on employer-based health insurance plans for health coverage limits access to care for those who are unemployed, self-employed, or underemployed.

In terms of the principle of relying on employer-based health insurance plans, it is not an ideal solution for the individual, health care providers, employers, and society. Employers may experience a financial burden due to their health insurance obligations, which may result in lower wages and fewer job opportunities. Health care providers may experience reduced reimbursement rates and limitations on treatment options, resulting in lower-quality care. Society as a whole may suffer from inferior health outcomes due to limited access to care, which may lower workforce productivity and raise healthcare costs.

The federal government should have a central role in providing health insurance. Federal government-run health insurance programs provide coverage to the most vulnerable populations. The Affordable Care Act was a significant legislative victory that unlocked access to care for millions of Americans. Insurance options such as Medicaid and Medicare offer comprehensive health care coverage for low-income individuals and senior citizens, respectively. A universal health insurance plan, such as those found in other developed countries, would provide comprehensive coverage to all Americans, thereby eliminating the disparity between those who have access to health care and those who do not.

Policy Action:
The government should establish a comprehensive universal health insurance plan for all Americans. A government-funded universal health insurance plan would provide equal access to health care to all Americans, enhancing the healthcare quality by expanding coverage, eliminating disparities, and increasing the affordability and accessibility of medical care. The universal health insurance plan would help shift the burden of health insurance coverage from employers to the government, freeing up funds for employers’ payroll expenses. As such, a universal health insurance plan will benefit individuals, health care providers, employers, and society as a whole.

Share This Post

Email
WhatsApp
Facebook
Twitter
LinkedIn
Pinterest
Reddit

Order a Similar Paper and get 15% Discount on your First Order

Related Questions

Describe and critique a current article that relates to Nursing Assignment Help

Describe and critique a current article that relates to hospital financing and competitive practices in healthcare. (Article should be from a scholarly, peer-reviewed journal published within the last 3-5 years). Submit 1,000-1,500-word paper with a KU title page and reference page in a scholarly format. You are a medical professor

GCU Patient Preferences in Care Discussion Reply Nursing Assignment Help

please respond to the following discussion as a peer making a comment. Hello everyone, Integrating patient preferences and values with clinician expertise is essential when making evidence-based decisions. This approach leads to patient-centered care, improves treatment adherence, and enhances health outcomes. Patients’ unique values, beliefs, priorities, and circumstances can significantly

UM Administrator in Training Rotation Experience Report Nursing Assignment Help

Complete and Submit the Three Sections of the Report for the Assignment: AIT Experience: LTC Settings and Services Report Template (ATTACHED) APA: Include APA 7th Edition Formatted Reference Page. ALL RESPONSES IN PARAGRAPH FORM. Complete Section 1 of the Report Select the Long Term Care (LTC) Settings and Services: ALREADY

NYU Autoimmune Disease of Myelin Abstract Nursing Assignment Help

`The disease is called MS You should read Wikipedia “Immune System”, “Antibody”,  “Antigen”, “T  cell”, “B cell”, “Macrophage”, “Dendritic cell”  for writing your abstract. It would also be good to read the Wikipedia article on MS.  The purpose of writing an abstract is to condense the material you have read

Within the Professions of Psychology Paper Nursing Assignment Help

PSY 540 Final Project Guidelines and Rubric Overview Within the professions of psychology, it can be typical for you to work on proposals for programs, studies, or new initiatives. For example, you may work for a university that regularly partners with foundations and corporations to identify grant opportunities for projects

Professional Ethics Instructions Baccalaureate education Nursing Assignment Help

Professional Ethics Instructions Baccalaureate education includes the development of professional values and value-based behavior (AACN, 2008). Ethics define professional ethics and their importance in the healthcare environment. The American Nurses Association has approved 13 standardized languages that support nursing care.  The benefits of standardized language include: better communication among nurses

Select one of the following populations: Aging Nursing Assignment Help

Select one of the following populations: Aging Population Homelessness Migrant Workers LGBTQIA+ Other Identified Vulnerable Populations from Your Reading Then complete the following steps for your discussion post: Identify which vulnerable population you have chosen to use for this post and describe what this vulnerable population looks like in your

WGU Population Health Data Analysis Paper Nursing Assignment Help

In this course, you learned that Informatics for Transforming Nursing Care integrates nursing science with multiple information and analytical sciences to identify, define, manage, and communicate data, information, knowledge, and wisdom in nursing practice. This provides knowledge and skills to apply informatics concepts, communications, and data critical to facilitating interprofessional

Professional EthicsInstructions Baccalaureate education Nursing Assignment Help

Professional EthicsInstructions Baccalaureate education includes the development of professional values and value-based behavior (AACN, 2008). Ethics define professional ethics and their importance in the healthcare environment. The American Nurses Association has approved 13 standardized languages that support nursing care.  The benefits of standardized language include: better communication among nurses and

HSA 599 SU Public Health Emergencies Discussion Nursing Assignment Help

I’m working on a health & medical discussion question and need the explanation and answer to help me learn. Discuss a life-threatening event or a natural disaster in your community, such as a severe weather event, terrorist attack, or other type of public health emergency. Examine an overall strategy that

Develop a literature map or a visual representation of the Nursing Assignment Help

Develop a literature map or a visual representation of the Public Health Informatics literature.  Also include a powerpoint presentation explaining the literature map with the slides Constructing a literature map helps you: develop an understanding of the key issues and research findings in the literature organize ideas see how different research studies