Unaffordable Health Care

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Most people have notice that health care has change and making health care unaffordable. The government needs to find a better plan to lower health care for Americans. With the health care prices increasing most Americans are going without proper care or without health care at all. Health care in the United States has become unaffordable to most Americans due to the increase of co-payments and deductibles; however, where some Americans may be able to receive Medicaid or health care through the exchange, most Americans are still uninsured due to the increasing cost of health care.
In recent years’ health care, has changed in many ways. Making health care in the United States not affordable. Health care expenditures double in less than
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Employers have begun moving more health care costs from employers to employees, with the use of co-payments and deductibles (Fox, 2010, p. 43). This means that the employers are paying less for their employees to have health care. Co-payments are rising for most health care plans (Fox, 2010, p. 43). With co-payments increasing most people will not get proper care when they are sick. “While health care costs are, no doubt, the fundamental and surely the principal long run reason for the reduction of employer-sponsored health insurance, there are other reasons as well which include the business cycle and fluctuations in the number of employer-covered workers” (Fox, 2010, p. 42). This means that the employer cannot afford to keep having sponsored health insurance and also the reason is because of the decrease in …show more content…
“Starting in 2014, the ACA requires new health insurance plans in the individual and small-group markets to cover a minimum set of services that the ACA terms essential health benefits” (Bagley & Levy, 2014, p. 443). This means that all health insurance will be required to cover things like hospital stays, birth of a newborn and other essential health, which the insurance wasn’t required to cover before. “Some states require insurers to cover specific benefits—for example, applied behavior analysis for autism or in vitro fertilization services—that Congress anticipated might exceed what the secretary would deem essential” (Bagley & Levy, 2014, p. 451). This means that the State has final say in that they conceived essential health benefits. “The ACA therefore limits federal subsidies to defraying the costs of essential health benefits” (Bagley & Levy, 2014, p. 451). This means that the insurance must cover the essential health benefits. “States must pick up the rest of the tab to assure that exchange plans that include extra state-mandated benefits remain affordable” (Bagley & Levy, 2014, p. 451). This means that the State will pay the extra money for people on the exchange so they will have proper

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