Term Paper: Economic and Constitutional Issues Surrounding Health Insurance Mandate for All American Citizens

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Economic and Constitutional Issues Surrounding Health Insurance Mandate for All American Citizens

The situation

One of the great commitments of the Obama administration was that of restructuring the health care system so that it generated more social benefits for the population and in such a manner that the population was presented with an increased access to healthcare services. A solution found suitable in the accomplishment of this desiderate was identified in the health insurance mandate, in order words, the legalization of mandatory health insurance. Instead of attaining the pre-established goals, this political measure generates a series of disadvantages for the already socially and economically disadvantaged, who were in fact perceived as the target population in need of assistance. Given this situation, it becomes imperative that the legislators readdress the issue of the mandatory health insurance.

History of the health insurance mandate

The topic of health insurance in the United States is a relatively new domain, making it as such understandable why the field has yet to be adequately understood and regulated. The first health insurances in the North American country were created during the Civil War (1861-1865) and they were only designed to cover injuries caused by accidents during travel by rail road of steamboats. In time however, the medical insurances became more comprehensive and by 1890, the first individual health insurance policies were created. During the 1930 and 1940 decades, more insurance organizations were formed and their popularity increased. This was also the time when group insurances were created and negotiated with care givers and by 1950, employee health insurances proliferated. By the 1980s and 1990s decades, the costs of the health care industry had increased exponentially and a need for efficient restructuring was identified (Northern California Neurosurgery Medical Group). Simultaneously, a need for more extensive coverage was also identified. The two needs were not satisfied through today.

3. Social importance of the health insurance mandate

In a most simplistic formulation, the social importance of the mandatory health care insurance is given by the fact that the acquisition of health care plans is not a viable solution in the context in which a significant part of the American population does not afford to pay the high price of the respective insurance. Today, the United States of America host citizens of various economic and social backgrounds, reveling as such extreme income inequalities. In the context in which the mandatory insurance is implemented, it will only deepen the gap between America's rich and its poor.

4. Pros and cons of changing the direction of the policy

Arguments in favor of changing the direction

The mandatory health insurance will generate social imbalances and will widen the income inequality

The policy does not represent a constitutional measure and is not legally sustainable as no precedent to support it exists. "Anything that has never been done before is literally unprecedented, which means it lacks any precedent. So the question is, will the Supreme Court want to authorize this new extension of congressional power in light of the fact that it violates the… [END OF PREVIEW]

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APA Format

Economic and Constitutional Issues Surrounding Health Insurance Mandate for All American Citizens.  (2010, June 18).  Retrieved July 20, 2019, from https://www.essaytown.com/subjects/paper/economic-constitutional-issues-surrounding/532782

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"Economic and Constitutional Issues Surrounding Health Insurance Mandate for All American Citizens."  18 June 2010.  Web.  20 July 2019. <https://www.essaytown.com/subjects/paper/economic-constitutional-issues-surrounding/532782>.

Chicago Format

"Economic and Constitutional Issues Surrounding Health Insurance Mandate for All American Citizens."  Essaytown.com.  June 18, 2010.  Accessed July 20, 2019.
https://www.essaytown.com/subjects/paper/economic-constitutional-issues-surrounding/532782.