Healthcare in the United States
In the United States today, at any given time, there are more than forty-one million people who are without health insurance. The United States Government actuaries states that the healthcare spending in the U.S. will double by 2015-to-more than 12,300 per person and account for 20 percent of the nations GDP. U.S. healthcare costs have made health insurance too expensive for many employers to offer health insurance. Health coverage alone is taking away more than a quarter of worker’s earnings. Fewer employers are offering health insurance in America. Under President Obama, the current administration firmly believes that comprehensive reform should reduce long-term growth of health care costs for businesses and government, protect
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Some have fought for the universal coverage through employer based insurance for most workers combined with government subsidies to pay the insurance cost for people living below the poverty line and to assist others in purchasing insurance. Some employer based proposals offer employers a “pay or play” alternative; either offer government approved insurance plans to their employees where the employer will pay 80 percent or more of costs or pay a payroll tax that would be used to fund health insurance for its employees outside of the employer based plans.
There are those that believe the American health care system is fine and nothing needs to be done. These conservatives believe in the open access health plan. Open access plans do not guarantee universal coverage but rather guarantee insurance to anyone who wishes to purchase it. With this plan, no one would be forced to buy insurance and employers would not be forced to provide it for its employees. Medicaid coverage may be offered at reduced rates to minimum wage employees not covered by an insurance plan. Insurance costs for basic coverage for basic coverage for the employee and the employer may be tax deductible. The adoption of uniform reimbursement forms and reforming medical malpractice suits and limiting the damages for pain and suffering may lower costs.
America’s healthcare issues are a product of boardroom politics that has caused a public uproar and major consequences. The players