Health Insurance
The topic of health insurance is extremely important to the field of health care delivery because it helps make sure that as many people as possible can get medical help when it is needed. Health insurance protects the insured against catastrophic risk, specifics how and where health care services may be received and distributes funds to health care providers to give people coverage. Without health insurance most people wouldn't be able to afford basic medical care or would be left with a huge financial burden after receiving medical treatment. Having health insurance for these people gave them a greater access with a better quality and less of a cost than not having any insurance. From an article by the Urban Institute, …show more content…
The Affordable Care Act had been a major factor in improving American's ability to buy health insurance, especially on their own. Before the ACA, the individual market was extremely an extremely difficult place for consumers without employer-based health benefits to purchase health insurance. In 2010, the Commonwealth Fund Biennial Health Survey found that "more than one-third of people who tried to purchase health insurance in the individual market in the previous three years, an estimated 9 million people, had been turned down, charged a higher price, or had a condition excluded from their plan," (Collins, Commonwealth fund), after the ACA passed things changed tremendously for the size of the individual market, it nearly doubled. The ACA now makes it easier for individuals to get coverage by placing bans on insurers charging people more or denying coverage because of preexisting conditions letting people get access they need to health care at a lower cost than before, so they can receive the quality of care they …show more content…
With health insurance evolving throughout time Medicare, Medicaid and the ACA were by far the biggest changes to helping the people. Medicare gave coverage to any one over 65 to be able to get coverage, Medicare helped give coverage to lower income people, so they were able to get coverage and "the ACA made changes in every part of the health care system," said Larry Levitt, senior vice president at the Kaiser Family Foundation, of the Affordable Care Act. "Virtually everyone has been touched by the ACA," (CNN). The ACA helped make it easier to have access to insurance, get better quality and all at a lower cost that people can afford so they do not have to struggle
The topic of health insurance is extremely important to the field of health care delivery because it helps make sure that as many people as possible can get medical help when it is needed. Health insurance protects the insured against catastrophic risk, specifics how and where health care services may be received and distributes funds to health care providers to give people coverage. Without health insurance most people wouldn't be able to afford basic medical care or would be left with a huge financial burden after receiving medical treatment. Having health insurance for these people gave them a greater access with a better quality and less of a cost than not having any insurance. From an article by the Urban Institute, …show more content…
The Affordable Care Act had been a major factor in improving American's ability to buy health insurance, especially on their own. Before the ACA, the individual market was extremely an extremely difficult place for consumers without employer-based health benefits to purchase health insurance. In 2010, the Commonwealth Fund Biennial Health Survey found that "more than one-third of people who tried to purchase health insurance in the individual market in the previous three years, an estimated 9 million people, had been turned down, charged a higher price, or had a condition excluded from their plan," (Collins, Commonwealth fund), after the ACA passed things changed tremendously for the size of the individual market, it nearly doubled. The ACA now makes it easier for individuals to get coverage by placing bans on insurers charging people more or denying coverage because of preexisting conditions letting people get access they need to health care at a lower cost than before, so they can receive the quality of care they …show more content…
With health insurance evolving throughout time Medicare, Medicaid and the ACA were by far the biggest changes to helping the people. Medicare gave coverage to any one over 65 to be able to get coverage, Medicare helped give coverage to lower income people, so they were able to get coverage and "the ACA made changes in every part of the health care system," said Larry Levitt, senior vice president at the Kaiser Family Foundation, of the Affordable Care Act. "Virtually everyone has been touched by the ACA," (CNN). The ACA helped make it easier to have access to insurance, get better quality and all at a lower cost that people can afford so they do not have to struggle