Affordable Health Insurance
The Health Reform law promises affordable health insurance to all
For the vast majority of Americans, affordable health insurance is made
possible through their employers. 98 percent of all companies with 200
employees or more provide health insurance to their employees. By 2019,
another 9 million with employer-provided insurance will join their ranks.
People employed by large companies, companies having 200 or more
employees are fortunate, in that their employer is able to provide health
insurance at a discount. The number of people enrolled gives them this
leverage. Up until recently, if you weren't employed by a large company,
health insurance was too expensive to obtain. That is now slated for
change, big time!
The medically uninsured are so either because they are too poor and
unemployed to purchase health insurance, or they are too poor, employed
by a small business that can't afford to provide health insurance without
severely impacting their bottom line, or are self-employed individuals who
don't make enough money to purchase affordable basic health insurance.
Aside from being able to receive treatment for an illness when it occurs,
those with medical insurance are able to get essential, early preventative
treatment. Those who don't have medical insurance will wait until the illness
is critical and then go with their crisis to a hospital emergency ward. Much
of the high cost of health care is precisely because of this practice.
Emergency room care is the most expensive treatment you can get. If these
people, waiting until their disease is an emergency, had affordable health
insurance, instead of lifting the cost of health care to all time highs, they
can go to a physician while the condition is still easily, and relatively
inexpensively, manageable. With health insurance, they can receive the
many benefits of preventative medicine.
In addition to the practical consequences of not having affordable health
insurance, there is the moral shame that so many people - 25 million at
least - must suffer with no help from their communities or their country.
Life takes second place to money, and when life is viewed as cheap, the
moral integrity of a country sinks. Bitterness, hatred and envy rise. The
security of a nation can be threatened when too many of its people are so
alienated. More than once has a crime been committed to get funds to pay
for a sick child that health insurance coverage could have paid. For a
safer, more caring society, affordable health insurance is a must.
To take care of this problem, the people of the United States have just
enacted a law, enabling all of its citizens to receive health insurance. $350
billion has been allocated to subsidize the poor who cannot afford health
insurance. Self-employed people and small businesses are also being given
an opportunity to obtain affordable health insurance, through the creation of
health insurance exchanges. Using the power of numbers to bring quantity to
health insurers, exchanges will be able to offer small businesses and
self-employed individuals medical insurance at somewhat the same rate
charged employees of large corporations. Provisions are also being made to
help Medicare patients weather the ups and downs inherit in the various
Medicare plans. One of the most admirable provisions of the new law
prevents insurers from dropping a sick person and prevents refusals to sell
a policy to those with pre-existing conditions. Rates for the sick will not be
any greater than for the well. The new Health Reform Law has made the
United States a more humane nation.
So available will health insurance be, the law is requiring all its citizens to
be insured by the end of 2014 (with government subsidies for the poor),
or pay a penalty if they are not. With such an opportunity, who wouldn't
want affordable health insurance? Start looking into it today and keep
abreast of the progress of the Health Reform Law. It is, after all, a matter
for you of life and health, or illness or death. Live well, in this new era
of affordable health insurance!
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