Health Care Reform in the US Term Paper

Pages: 3 (926 words)  ·  Bibliography Sources: ≈ 2  ·  File: .docx  ·  Level: Master's  ·  Topic: Healthcare

U.S. Healthcare Reform

Since the inception of Social Security spearheaded by Franklin D. Roosevelt in 1935, Democrats had desired to include some government health insurance plan for those who could not afford coverage (New York Times, 2011). Historically, insurance companies were notorious for creating barriers for insures who had pre-existing conditions or for the insured who became sick during the coverage term. Such disparities continue to divide the U.S. On monumental proportions between the haves and the have-nots. Subsequently, the issue contains both social and economical underpinnings that have created a gap: 1) people who do not have insurance; 2) costs imposed on employers and insurance companies. Bridging the gap has been addressed by several presidential administrations; however, much momentum was not gained until the Obama administration.

Issue Defined

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Undoubtedly, insurance companies make money. In fact, during the recession, the industry was unscathed by societal economic conditions, while all other industries were immensely affected, thus needing government bailouts. Hence, the issue stems from simply financial greed, which required federal government intervention. People need and opponents do not want to pay. Dissension between the Democrats and Republicans continue, as the Republicans appeal the law by eliminating certain provisions, plus will stall financial efforts to enforce state's compliance. Despite all the complexities of diversion surrounding a societal problem, the issue is fundamental. Legal roadblocks purporting violation of certain rights, unfairness of federal mandates imposed on states, cries of financial burdens by insurance companies and employers, and government subsidies all have positive effects on the delivery of health care services in the United States. However, this premise is based on the beneficiary's perspective: uninsured and government.

Effects on Healthcare Delivery

TOPIC: Term Paper on Health Care Reform in the US Assignment

The issue improves access to health care services and accountability of insurance companies. Although the costs must derive from a financial source, all must share in the burden to ameliorate such dichotomy in society. Currently, oversight of health insurers, the expansion of coverage to one million young adults and more protections for workers with pre-existing conditions are already well cemented and popular (New York Times, 2011). Additionally, the law, along with economic pressures, has forced major institutions to wrestle with the relentless rise in health care costs.

Potential Variable Tradeoffs

With any public program or federal mandates, potential trade-offs exists between increased costs and access. Increased costs will be borne by insurance companies who will be required to insure pre-existing conditions and will not be able eliminate coverage for insurers who become ill during the coverage term. Additionally, the law will cost the government about $938 billion over 10 years, according to the Congressional Budget Office, which has also estimated that it will reduce the federal deficit by $138 billion over a decade (New York Times, 2011). Insomuch, the law will require employers with more than… [END OF PREVIEW] . . . READ MORE

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APA Style

Health Care Reform in the US.  (2012, January 12).  Retrieved October 26, 2021, from https://www.essaytown.com/subjects/paper/health-care-reform/4315370

MLA Format

"Health Care Reform in the US."  12 January 2012.  Web.  26 October 2021. <https://www.essaytown.com/subjects/paper/health-care-reform/4315370>.

Chicago Style

"Health Care Reform in the US."  Essaytown.com.  January 12, 2012.  Accessed October 26, 2021.
https://www.essaytown.com/subjects/paper/health-care-reform/4315370.