The Importance Of Health Insurance

1651 Words 7 Pages
In today’s modern world health insurance is as important as proper nutrition and having adequate shelter; however, it remains one of the biggest obstacles families and individuals in the United States face on a daily basis. The unfortunate reality is, that millions of Americans go without health insurance, and thousands of people die every year due to being uninsured, all the while insurance companies continue to report all-time high profits. In 2014 alone, while the rest of the country continued to weather the effects of the worst recession since the Great Depression, the insurance industry was setting records of net-profits while increasing premiums and canceling critical policies for individuals they deemed to be a “financial risk”. …show more content…
In 1944, the United States, in an attempt to keep the industry’s greed at bay and force it to remain customer-focused by implementing federal regulations, a lawsuit was filed and won by the United States Supreme Court against the South-Eastern Underwriters Association. After ninety plus years of free reign the Supreme Court agreed with lawmakers and found the availability of health insurance to be a fundamental right to United States citizens, and as such, was subject to federal regulation as per the United States Constitution (United States v. South-Eastern). However, greed and corruption never being far from politics, The McCarran-Ferguson Act, passed by Congress in 1945, proved the Supreme Court’s ruling moot. The act states that the insurance industry is exempt from any federal laws that in any way attempt to regulate it (McCarran-Ferguson); thus, giving rise to the multi-billion dollar tyrannical monster that controls lawmakers. That same monster decides who lives and dies by following rules that are written for the industry and by the industry and that are changed by the industry based on financial …show more content…
What has happened to skew the morals and ethics of the nations business leaders to the point of playing business Russian roulette risking the very lives of their businesses while allowing hundreds of thousands of Americans to suffer and die or to go bankrupt in the name of quarterly statements, bonuses, and stock prices? What’s happened to the morality and honor that was once synonymous with leadership and politics? The politicians of the United States have forgotten that the nations political system was established on the principals of ridding the country of tyrants, protecting the people, and ensuring life liberty and the pursuit of happiness to all. Rather, the system has become corrupt and broken, with the leadership of the nation catering to the almighty dollar, selling their morality to the highest bidder; all while protecting big industry with the very tyrannical outlooks they have sworn to protect their constituents against. Movements against this corrupt coupling have begun, and whispers asking for reform are starting to be heard. However, more citizens must unite and join the fight at the polls until polite whispers become screaming demands and enough politicians are voted out of office that the leadership of the country begins to realize that the people of the United States will not be held hostage to tyrannical behavior be from enemies three thousand miles away or the nations own leadership three miles

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