Several years ago, after her company was acquired and her husband retired, Donna Dubinsky is left without an employer that could finance her family’s health insurance. Having thought that getting individual health insurance was easy, she naïvely decided to get her family health insurance. She discussed with the insurance broker for options, filled out a very long application, yet only to find rejection letters came in the mailbox. (Dubinsky) So, why was she denied? Was it because her long lists of ailments? Or was it because of the gambling side of insurance business? Her story represents millions cases that Americans have to face to get health care access, and raises a question: Does it need to be changed?
What is the problem with our current health care system? The current problem is—not everyone is covered with health insurance—particularly in the present condition, where companies opt to lay off their employees to survive the recession. As a result, millions of Americans are left without jobs, and so without health insurance; yet, even if they were fortunate enough to get health insurance while remaining unemployed—too bad, the outrageously premiums rate would eventually force them to say goodbye to medical access.
Responding to individual health insurance, particularly in some states like New York, New Jersey and Vermont, Robert Bland, chief executive of online insurance broker called Insure.com claims, “Even young healthy men, who are the cheapest to insure, could be charged as much as $1,000 a month” (qtd in. Bradford). Basically, Bland is showing how expensive that individual health insurance could be.
This unfortunate problem, according to United State’s Institute of Medicine and Harvard University, has taken so many lives. In 2002, Institute of Medicine released a figure, which suggested that there were about 18,000 unnecessary deaths annually due to lack of health insurance. That is to say, happened before the 2008 world financial crisis. Now that millions of Americans are getting laid off and left without health insurance, how does it affect the statistics?
Answering that question, a study conducted by Harvard University in 2009, estimates that on average, roughly 20% of the total population in each states were uninsured, indicating approximately 45,000 cases of unnecessary death in the year of 2009. (“Harvard Study”) The number has gone up by more than doubled between the seven years period of the study.
The problem of people die needlessly seems bad enough, yet thinking how the overbearing insurance companies are able to deny the health insurance coverage for patients with cancer is as incredibly disturbing as the dying needlessly. A national survey in 2007 suggest that as many as 12 million Americans were discriminated by insurance companies because they had pre-existing conditions or illnesses. (Obama) The wreckage in our broken market of health insurance seems to be dominated by business rather than human...