Uninsured and Under-insured in America

Paper Summary:

This paper discusses the prevalence of uninsured and under-insured people in America. It focuses on the phenomenon that these people may have to choose whether to buy food, clothing and pay rent versus paying for health insurance coverage. The paper analyzes the exorbitant costs related to health care insurance as the major factor contributing to whether Americans are uninsured or under-insured today.

From the Paper:

"In tune with Navarro's report, Jones (1992) notes that even people with health insurance coverage contend with concerns they not be covered due to having a particular condition or they may be concerned that they may not be able to afford to pay deductibles and/or copayments. Some, with adequate grounds, may fear they may lose their coverage if/when their insurance company or employer raises premiums, changes or withdrawals their coverage, goes out of business or merges with another company. Other individuals may be afraid to change jobs for fear they may lose their health insurance. When a person's health coverage depends on his/her parents or employed spouse, he/she may lose his/her insurance coverage with a change any change in status, such as turning 18 years old or being withheld or divorced. (Jones, 1992)"

Sample of Sources Used:

• Behreandt, D. (2005, September 5). The Best Healthcare in the World: Our Healthcare, Though Impeded by Government Intervention, Is Still the World's BEST. ADOPTING A Single-Payer Socialized System Would Lead to Shortages, Frustration, and Failure. The New American, 21, 21+.
• Clement, M., Himmelstein, D. U., & Woolhandler, S. (2004, September 13). Healthcare for All! Now!. The Nation, 279, 2.
• Darnell,Julie, Rosembaum, Sara Scarpulla-Nolan, Lea, Zuekas, Ann & Budetti, Peter. 1995. Access for low-income, inner-city, minority populations [on-line]. Center for Health Policy Research, The George Washington University. Retrieved 15 April 2007 from: http://www.handset.org/Medicaid/gwu97.htm.
• Debate Not Settled over Bankruptcy Reforms. (2005, December 18). Daily Herald (Arlington Heights, IL), p. 1.
• Hardy, Thomas (1930, 1996). "Birthday Notes." The Columbia World of Quotations. New York: Columbia University Press. Retrieved 2 June 2007 from: http://www.bartleby.com/66/23/26723.html.

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