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Why Are There 47 Million Americans Without Health Insurance?
Posted by | Posted in Health Insurance | Posted on 27-07-2010
The answer to this question is not because 47 million Americans cannot get health insurance. The answer is far more complex. There are millions of Americans who cannot get health coverage due to their health status. Americans with serious health conditions are often unable to get policies due to health insurers not issuing a policy to them for fear of losing money. But those not able to obtain health coverage represent around 25% of the 47 million uninsured Americans.
Clearly we have a problem with access to health insurance. Thirty one states have high risk pools that allow individuals with moderate or serious health conditions to enter in to a high risk pool and obtain coverage. Check with your state department of insurance to see if a high risk health pool is available.
Small employers are rapidly dropping their insurance offerings as prices continue to rise at a pace more than four times the consumer price index. More than 40% of employers with fewer than 50 employees do not offer coverage for medical insurance. Even those employers who offer health insurance have many employees opting out of the coverage because their portion is cost prohibitive.
Americans between the ages of 18 and 24 average one in three who go without medical insurance. Those in this age range go without health insurance because they cannot afford the coverage or feel they do not need the coverage.
Children are among the most prevalently represented groups without health coverage. Children generally cannot coverage on their own. Due to problems with access for their parent or parents, many children go without coverage. The State Children’s Health Insurance Program was developed to provide access to children who do not have coverage currently and do not qualify for Medicaid.
Many argue that 47 million is too high of a number. There are Americans counted in this number who are between jobs and do not continue coverage while in the transition between jobs. A new report by the Congressional Budget Office (CBO), “How Many People Lack Health Insurance and For How Long?,” suggest the uninsured population as a far more fluid group than is generally acknowledged: a significant number are chronically uninsured, but many are without insurance for a short period only.
Regardless of the actual number, as the world’s most affluent nation, we have problems with access to health insurance. Some cannot obtain insurance, others choose not take insurance and we remain a nation with costs being shifted from those insured to those uninsured.
Watch the video related to health insurance
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Help answer the question about health insurance
What is the best health insurance and life insurance policies to go with?What is the best health insurance and life insurance policies to go with?
I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
The people who support it do not have a clue , they haven't even read the multiple bills, all they want is entitlements that you and i will have to pay for, well we are sick of paying for those who will not work, let them starve , or leave the country, get out of my wallet
I don't know why…. but i think it is b.s.. We don't have medical for our own people. and they want to give it to others…..we are dieing from Aids, Cancer, heart problems…… because we don't have and insurance….. I had a heart attack and was put out of a hospital after three days because of no insurance…..WHY? should they get first.
his means we have a system where about 10% or less of American citizens are uninsured, obviously not perfect but not terrible either."
Wrong. 46 million are uninsured.
http://voicefortheuninsured.org/
No one is undeserving of their health.
Interesting you quote the AMA as your resource.
They make these claims…Affordability—high deductibles mean
lower premiums.
In its letter to Charles Rangel, a powerful New York Democrat, the group said it hoped for "constructive dialogue" during revision of the legislation. The bill endorsed by the association would be paid for in large part by a tax on the 2 million richest Americans.
June 10, 2009 …..the American Medical Association is letting Congress know that it will oppose creation of a government-sponsored insurance plan
If private insurers are pushed out of the market, the group said, “the corresponding surge in public plan participation would likely lead to an explosion of costs that would need to be absorbed by taxpayers.”
If the doctors are too aggressive in fighting the public plan, they risk alienating Democrats whose support they need for legislation to increase their Medicare fees
Under a proposal favored by many Democrats, doctors who take Medicare patients would also have to participate in the new public plan.
The medical association said it “cannot support any plan design that mandates physician participation
But Hey how about this? The association agrees with Mr. Obama on some points. It says that individuals and families who can afford coverage should be required to obtain it.
But wait a minute….
Democrats argue that the $1 trillion plan will stem the growth of healthcare costs.
2006, Massachusetts became the first state in the nation to require all residents to buy health insurance
4000 deductible for a family of 4, Average out of pocket cost and deductible plus co pays 10,000. Monthly payment of 342 a month per family of 4…. not quite free
•For policies that have a separate prescription drug deductible, it cannot exceed $250 for an individual or $500 for a family.
*costs of the program increased more than $400 million – 85 percent higher than original projections
*To make up the difference, payments to health care providers were slashed, so many doctors and dentists in Massachusetts began refusing to take on new patients
Commonwealth Choice health plans vary greatly in price. The price depends on your age, where you live, and the type of plan you choose. You can get rates for Commonwealth Choice plans:
Co-insurance: a percentage of the cost that you must pay for each medical service (for example, 35% of hospital bills). The health plan pays the rest.
Gov. Deval Patrick desperately tries to slow down those still-spiraling health care costs, which he said last week were “not sustainable.”
So in essence Obama is making deals with Doctors and Big Pharma, dismissing what the CBO is saying about the repercussions, and not listening to the American people as well?
Who are the 46 Million Uninsured? Census Bureau report published in AUGUST, there were 45.6 million persons in the United States who did not have health insurance The uninsured make up about 15 percent of the US population
—34 percent of the uninsured are eligible for a government program but have not signed up for it or enrolled in Medicaid or CHIP.
—14 percent are temporarily uninsured. And most were uninsured for less that 60 to 90 days
—32 percent are high-income earners and chose not to purchase insurance
9.7 million uninsured foreign nationals
9.2 million people were long-term uninsured.
So we have People choosing not to insure themselves even thought they have the funds to do so.
We have Illegals to the tune of 9.7 that are not even citizens …
So for those Chronically 9.7 million people not insured we are going to punish 300 million for being insured?
Quit coming up with uninsured numbers for talking points… the 47 million uninsured have been proved to be spins by many organizations….
would consider changing my mind if the unions, elected officials and Mr President would give up their federal plans and join us on the program they are trying to force us to except…since that is not going to happen… you know where I stand.
Jul 16, 2009 … American Medical Association Endorses House Health Care Bill
It's obvious that the GOP and the blue dog Dems are in cahoots with the private insurance corporations. You are correct; illegals are able to obtain medical care, and those of us who are insured are paying exorbitant premiums to provide this care to illegals and uninsured citizens. The problem is that the for-profit health care providers are reaping the benefits (along with their cohorts in Congress), while the insured and under-insured are one medical catastrophe away from bankruptcy and losing their homes.
so true,insurance companys suck ass
Says a lot about those owners imo.
This guy is funny I smoke pot and This guy is potatstic. My friends call me potking. I smoke pot. I like jamie kilstein . pot.
What he and his advocates fail to grasp or explain is that health care insurance is driven by Risk. The more one weighs, the more they drink, smoke, sit around doing nothing, etc., the greater the risk. Want to drive down risk? Do away with High Fructose Corn Syrup. Do away with alcohol and tobacco, promote clean, healthy living. But THAT is a matter of personal "Choice!"
That approximately 15% of the population cannot afford health insurance tells me two basic things. First: both the education system and their parent(s) failed them. And second: there will always be an underclass of worker bees in society that failed to do well in school, failed to learn the lessons of their fathers and will forever be the bottom rung of the work force. As it should be.
What troubles me is that so many people believe Obama and his horde when they say they can drive down the cost by instituting competition — they are believing a lie and are apparently too stupid to think it through for all its worth. The other thing that bothers me is that Obama is now drafting his own legislation! Since when does the President in the Executive Branch have the right and authority to do the job of the Legislative Branch? Where then is the representation? Is this yet another right of the people being lost? I suspect it is.
I love how he says sh*t that needs to be said within his comedy. I’ve had this conversation with other people countless times.
We believe what gets repeated to us day after day. If you are not feeling the wealth, you must be doing something wrong. Somehow you should be able to work more than 40 hours a week. Somehow you should be able to pay outrageous health care premiums. Somehow you should be able to pay for your groceries. If not, work harder! It's only another myth that Repulbicans like to throw around. Watch how all of this will get blamed on the Democrats.
Honesty is a sore subject with this administration.
Wow, I remember when club owners told me I couldn’t give this guy open mic time in Chicago.
should i take a viagra!!! lol (sorry for bad spelling)