Lack Of Health Insurance

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Research Assignment
Have you ever knew anyone that has lost their job due to being fired or laid? I bet most people would say yes to this question. When these people end up losing their job they also end up losing something else that is very important to have which is having health insurance that pays for their family and their own medical bills. The reason they end up losing their health insurance is that their health benefits were provided by their employer. Before the worker finds a new job they might have unexpected family medical bills come up, these bills could be from a visit a to the clinic to treat an illness or unexpected trip to the hospital emergency room from being in an accident. This is what happen to me.
A few years ago I was
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America has an employer-based financing system, employers are not forced to provide health care coverage to their employees which leaves their employee left to pay for health coverage out their own pocket. Lack of health insurance affects many groups of people, including both workers and non-workers, people of all races, ethnic group, income levels, and people with a range of different health conditions; however, those that make the lower incomes have a greater risk of not being covered by insurance. Being uninsured affects people’s access to receive health care and they more likely to be hospitalized or die from conditions that could have been prevented with the use of primary care. Those without health care coverage struggle financially to pay their medical bills which can quickly add up to financial debt causing them to lose their car or truck and their home leaving them homeless and poor.ethnic …show more content…
The uninsured are thirty percent less likely than those with insurance to get the medical care they need. Uninsured people are less likely than those with coverage to receive timely preventive care. Due to cost many uninsured people do not receive the health care their physician has prescribed for them. They are more likely to be hospitalized than those with insurance that have access to regular outpatient care. When uninsured are hospitalized they receive less diagnostic test and therapeutic services and also have higher death rates than those insured.
Even when uninsured patients can receive medical care, they often struggle to pay their medical. “It used to be a common practice for teaching hospitals, private physicians, community clinics to provide discounted or even free medical care to the uninjured, but managed care practices have seriously reduced the ability of this social safety net to provide care for the uninsured” (Donelan et al.1996). Most uninsured patients do not receive free or reduced rate charges for health care. They are charged two to four times more than people that have health insurance. Kaiser Commission reports that “in 2013, only 38% of uninsured adults who received health care services report receiving free or reduced cost

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