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Health Insurance

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Running head : HEALTH INSURANCE 1
Health Insurance
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HEALTH INSURANCE 2
Health Insurance
Health insurance is becoming increasingly important to the lives of Americans. It
involves programs that seek to pay for medical expenses and comprises of either private or
public policies that often come in the form of social welfare or social insurance. Presently, a
significant number of US citizens under the age of 65 are uninsured, which makes it hard for
these people to access medical care due to the high costs and lack of access to resources.
Health insurance is a national issue in the United States. According to information
from Healthy People 2020 (2017), health insurance ranks amongst the priority issues, where
the federal government seeks to achieve 100% coverage of the citizens by 2020. This is
despite the fact that 13% and 5% of Americans aged 19-64 and 0-19 respectively are
uncovered at present (The Commonwealth Fund, 2017). In fact, the US Government has been
implementing various health insurance programs in the recent past in a move to ensure that
there is equality in access to these services across various states (Preker, Lindner,
Chernichovsky, Schellekens & World Bank (2013). At the same time, both the government
and the private sector seek to ensure that every American has their health covered regardless
of various underlying factors such as disability and income level, among others. In fact, this
has been the reason for various government-funded social insurance programs such as
Medicare, Medicaid, and children health insurance program (CHIP), among other insurance
plans formulated by the private sector (Preker et al. 2013).
To fully address the issue of public insurance, there is a need to create more awareness
amongst the public and also ensure that the insurance policies are available in more diverse
options that cover various groups of people based on their needs and abilities. In order to
make the insurance policies more affordable, these programs need to be appended to the
employment policies so as to ensure that employers and the benefactors jointly fund the
program. At the same time, the government may need to come in so as to subsidize the

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Running head : HEALTH INSURANCE 1 Health Insurance Names: Institution: HEALTH INSURANCE 2 Health Insurance Health insurance is becoming increasingly important to the lives of Americans. It involves programs that seek to pay for medical expenses and comprises of either private or public policies that often come in the form of social welfare or social insurance. Presently, a significant number of US citizens under the age of 65 are uninsured, which makes it hard for these people to access medical care due to the high costs and lack of access to resources. Health insurance is a national issue in the United States. According to information from Healthy People 2020 (2017), health insurance ranks amongst the priority issues, where the federal government seeks to achieve 100% coverage of the citizens by 2020. This is despite the fact that 13% and 5% of Americans aged 19-64 and 0-19 respectively are uncovered at present (The Commonwealth Fund, 2017). In fact, the US Government has been implementing various health insurance programs in the recent past in a move to ensure that there is equality in access to these services across various states (Preker, Lindner, Chernichovsky, Schelleke ...
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