According to the World Health Organization and the Physicians for a National Health Program, the United States spends twice as much per capita on healthcare compared to other countries such as Canada, Britain & Germany, who have universal healthcare. It is currently considered a privilege in the U.S., not a right.

Those that support the healthcare initiative believe that it should be a right to have affordable, quality healthcare instead of just a privilege.

A barrage of opposition (rationing, government interference, economic recession, cannot afford to make universal healthcare a reality) has been negatively affecting the potential of the reform. The reform will continue to push through until everyone has affordable, quality health insurance. I support Obama’s reform because 47 million Americans can no longer afford health insurance, the constitutional right that they deserve.

The healthcare system in the United States, a private system (HMOs, PPOs, etc.) fails to provide these Americans with quality care. Even working, middle-class families who have health insurance, where both parents have a stable income struggle to pay for it. Or they have to risk losing their homes because their providers might bail out on them when in the time of need.

“Holly trips over a hole in the ground and falls down and screams. I whirl around and she’s crying, her face turning from pale-white to crimson. ‘Something snapped’, she sobs. ‘I heard it snap’. I helped her up, ordered Marge, who’s been standing there with her mouth hanging open, to take her other arm. “We’ve got to get you to an emergency room.” I say. ‘get x-rayed right away.’ But all she’ll consent to is calling Ted from the next house.” (Barbara Ehrenreich, Nickel and Dimed)

Enrenreich’s experience illustrates that in order for the working class poor to “get by” they often must choose to delay the care they need. In 2016, about 1.5 million American families filed for bankruptcy, half of it due to the inability to pay their medical bills. The U.S. spends 31% of medical expenses on administrative costs, compared to Canada’s 16.7% administrative costs.

And I’m not taking into account other aspects of health care like mental disorders or addiction where people need programs and doctors long term, finding a good detox program is tough to begin with, affording it is even tougher.

Although in the last couple of decades, we have observed many potential solutions to this growing problem healthcare reform did not occur. To make matters worse, premiums soared and coverages were reduced. If the private system lacks the ability to cover the millions of uninsured Americans, then the time to change to something more efficient and effective has arrived.

Britian spends on average $2,992 per capita. France’s healthcare system, social insurance, provides insurance to all legal residences. The government regulates the budget and the salaries for the hospitals. France spends on average $3,601 per capita. Not to mention that these countries have a longer life expectancy than those of us who live in the U.S.

To Americans who are unfamiliar with the healthcare system in the U.S. (the HMO), this system allows healthcare providers to charge premiums for health insurance. The healthcare provider decides whether or not they should cover your condition. And often times, these health insurance providers bail out on their customers. And with the new Trump laws concerning health care, it makes it even tougher to sue any insurance company, even when it is obvious there is fraud going on. Take the on going case for Greenfield filters, the case is still in court after years of battles.

Over the last few years, insurance companies tripled their profit and the U.S. ended up spending $7,290 per capita. If we spend twice as much per capita than any other country, why not make universal healthcare a reality?

Everyone has a right to healthcare, especially in the respectable democracy we live in. Due to the recession, many Americans become one of the 47 million uninsured. These citizens need quality and affordable healthcare the most. The U.S. can afford it especially when we spend twice as much per capita and providers tripled their profit in the last couple of years. By making universal healthcare happen, there would be less bankruptcy, a better economy and everyone would be better off.

Due diligence ought to be paid before you decide to buy medical health insurance premiums if perhaps to make certain that you tend to be obtaining insurance you really require. Health insurance coverage in California isn’t inexpensive even though you are some of those fortunate enough to become included within group medical health insurance. Those who’ve to purchase medical health insurance for people will trust this.

There tend to be various factors that you need to think about before you decide to acquire medical health insurance in Ca so that you can to arrived at an smart choice before you decide to sign the actual premium. Here are some of all of them:

Check out your alternatives

For whatever you know, you just could possibly purchase insurance via a group medical health insurance that is a lot cheaper compared to individual medical health insurance. So for those who have a work, you better consider your options together with your employer first before you decide to buy medical health insurance individually. If you’re not used, then make a summary of the best five insurance firms and checklist their benefits to determine if your requirements match the insurance costs each carrier is providing.

Coverage

While you should look at its price before you decide to buy medical health insurance, you will be wise to think about the coverage you’re purchasing for your price. What exactly are your needs considering your own family’s track record and your individual health difficulties? If you believe too much concerning the cost then you definitely possibly is going to be buying a relatively inexpensive insurance that doesn’t respond for your healthcare requirements. It can also be ideal to think about your existing and long term plans like using a family possibly. If such may be the case then you should look at a higher-priced an insurance policy that can give maternity coverage whenever you buy medical health insurance.

Price

You will find insurance companies that provide almost exactly the same coverage from different costs. Other wellness options, however, have greater costs given that they list down a number of health insurances that could not fit your requirements at just about all, making all of them impractical. You’ll be able to come through quotes with regard to healthcare packages before you decide to purchase medical health insurance even sans dedication. With minimum research, you’ll understand that insurance providers offer insurance coverage with minor differences within cost however with almost exactly the same coverage.

Agreement

Once you’ve shortlisted the insurance providers that fulfill your health care requirements, evaluate their cost, coverage along with other stipulations. Ensure you go over the small print of the actual contract before you decide to agree to prevent unpleasant surprises when it’s time to pay your own premium or when it’s time to utilize the particular insurance you requested. When within doubt regarding certain procedures, make certain you explain this together with your insurance broker or lawyer before you decide to buy wellness plans.