Newspapers Examine Loss Of Employer-Sponsored Health Coverage In Weak Job Market
Main Category: Health Insurance / Medical InsuranceArticle Date: 17 Dec 2008 - 7:00 PDT
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Summaries of two news articles and an editorial about employer-sponsored health coverage during a weak job market appear below.
- AP/Washington Times: The AP/Times on Monday examined different health coverage options available to those who lose their coverage as a result of unemployment, including COBRA health insurance, individual policies and government health plans. Nearly two million jobs in the U.S. have been lost in the past year, leaving many residents to "find and pay for health insurance" on their own, the AP/Times reports. According to the AP/Times, the "price is steep with nearly any option, but pales in comparison to the financial calamities that await the uninsured" (Choi, AP/Washington Times, 12/15).
- Chicago Tribune: Individuals should add money to their emergency funds to account for health insurance premiums in the event that they lose their job and employer-sponsored health coverage, the Tribune reports. Karyn Schwartz, a senior policy analyst at the Kaiser Family Foundation, said, "The coverage becomes a lot more expensive just as your income drops." A survey released by the Foundation and the Health Research and Educational Trust found that the average annual premium of an employer-sponsored health plan for an individual policy in 2008 was $4,704 and a family plan was $12,680. According to the Tribune, the "cost is easy to overlook" when planning emergency funds (Bigda, Chicago Tribune, 12/14).
Editorial
"The need for Congress to reform this country's health care system takes on a new urgency when the number of unemployed has increased by 2.8 million this year," a Des Moines Register editorial states. "Congress has no time to waste in enacting reforms to ensure affordable coverage is available for all Americans, including those who have recently lost jobs," the editorial adds. It continues, "The only upside to rising unemployment may be political: People will finally support reforming the country's health insurance system." The Register concludes, "Reform, which should include a government-sponsored health care plan similar to Medicare for all Americans, can't come soon enough" (Des Moines Register, 12/14).
Reprinted with kind permission from http://www.kaisernetwork.org. You can view the entire Kaiser Daily Health Policy Report, search the archives, or sign up for email delivery at http://www.kaisernetwork.org/dailyreports/healthpolicy. The Kaiser Daily Health Policy Report is published for kaisernetwork.org, a free service of The Henry J. Kaiser Family Foundation.
© 2008 Advisory Board Company and Kaiser Family Foundation. All rights reserved.
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MLA
15 Feb. 2012. <http://www.medicalnewstoday.com/releases/133330.php>
APA
http://www.medicalnewstoday.com/releases/133330.php.
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Reform
posted by Dan on 17 Dec 2008 at 8:46 amFacts that are believed to exist regarding the present U.S. Health Care System-
This may be why about 80 percent of U.S. citizens want our health care system overhauled:
The U.S. is ranked number 42 related to life expectancy and infant mortality, which is rather low.
U.S. is ranked number one in the world for spending the most for health care- as well as being number one for those with chronic diseases. About 125 million people have such diseases. This is about 70 percent of the Medicare budget that is spent treating these terrible illnesses. Health Care cost presently is over 2 trillion dollars of our gross domestic product. One third of that amount is nothing more than administrative toxic waste that does not involve the restoration of the health of others. This illustrates how absurd the U.S. Health Care System is presently. Nearly 7000 dollars is spent on every citizen for health care every year, and that, too, is more than anyone else in the world.
We have around 50 million citizens without any health insurance, which causes about 20 thousand deaths per year. This includes millions of children without health care, which is added to the planned or implemented cuts in the government SCHIP program for children that covers about 7 million kids.
Our children
Nearly half of the states in the U.S. are planning on or have made cuts to Medicaid, which covers about 60 million people, and those on Medicaid are in need of this coverage largely due to unemployment. With these Medicaid cuts, over a million people will lose their health care coverage and benefits.
About 70 percent of citizens have some form of health insurance, and the premiums for their insurance have increased nearly 90 percent in the past 8 years. About 45 percent of health care is provided by our government- which is predicted to experience a severe financial crisis in the near future with some government health care programs, it has been reported. Most doctors want a single payer health care system, which would save about 400 billion dollars a year- about 20 percent less than what we are paying now. The American College of Physicians, second in size only to the American Medical Association, supports a single payer health care system. The AMA, historically opposed to a single payer health care system, has close to half of its members in favor of this system. Less than a third of all physicians are members of the AMA.
Our health care we offer citizens is sort of a hybrid of a national and private health care system that has obviously mutated to a degree that is incapable of being fully functional due to perhaps copious amounts and levels of individual and legal entities.
Half of all patients do not receive proper treatment to restore their health, it has been stated. Medical errors desperately need to be reduced as well, it has been reported. It is estimated that we need about 60 thousand more primary care physicians to satisfy the medical needs of the public health in the United States. And we have some greedy corporations that take advantage of our health care system. Over a billion dollars was recovered for medicare and Medicaid fraud last year through settlements paid to the department of Justice because some organizations ripped off taxpayers. These are the taxpayers in the U.S. who have a fragmented health care system with substantial components and different levels of government- composed of several legal entities and individuals, which has resulted in medical anarchy.
Thanks to various corporations infecting our Health Care System in the United States, the following variables sum up the U.S. Health Care System, which is why the United States National Health Insurance Act (H.R. 676) is the best solution to meet our health care needs as citizens. We would finally have, as with most other countries, a Universal Health Care system that will allow free choice of doctors and hospitals. It should be and likely will be funded by a combination of payroll taxes and general tax revenue:
Access- citizens do not have the right or ability to make use of this system as we should.
Efficiency- this system strives on creating much waste and expense as it possibly can.
Quality- the standard of excellence we deserve as citizens with our health care is missing in action.
Sustainability- We as citizens cannot continue to keep our health care system in existence , or tolerate it as it exists today any longer,
Dan Abshear
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