This website uses cookies to ensure you have the best experience. Learn more

History Of Health Insurance Essay

2211 words - 9 pages

Healthcare didn’t always exist in the United States. Before the 1920’s, most people didn’t have health coverage. Most people were treated at home and hardly anyone, except a few large employers offered healthcare. Everyone else paid out of pocket. As the population shifted from rural areas to urban centers, families lived in smaller homes with less room to care for sick family members (Faulkner 1960, p. 509). Increasing requirements for licensing and accreditation, in addition to a rising demand for medical care, eventually led to rising costs. By the end of 1920s, there was an increased demand for medical care and the costs of medical care increased.
During the time of the Great Depression and after, medical service plans grew. In the 40s, prepaid group healthcare began and during World War 2, wage and price controls were placed on American employers, so employers started to offer health benefits in order to compete for workers. Healthcare expenditures were 4.5 percent of GDP in the 50s and hospital care doubled.
Also in the 1950s, more medications become available. During the 70s, healthcare costs escalate rapidly. One reason is because of the unanticipated high Medicare costs. Another is because of rapid inflation in the economy as well as changes in medical care which include a greater use of technology, medications and other approaches to treatment. Health insurance has increased and been an important issue for all employers, the government and employees ever since.

Importance of Health Insurance
Having health insurance is valuable for a number of reasons. Having health insurance is important for multiple reasons. One reason is that people without insurance are given less medical care and less timely care. People without health insurance are also less likely to have primary doctors to manage their health and care .Those people have worse health outcomes.
Also, a lack of insurance is a huge financial burden for individuals and their families. Lack of health insurance has social consequences, as well. Some diseases are highly contagious and can be spread easily to family members, friends, colleagues, co-workers and others, one may come in contact with. With health insurance, these contagious diseases can be contained and cured or treated more quickly and cost-effectively. People without health insurance have limited, reduced access to services of preventive care, like cancer screening.
Moreover, the benefits of expanding coverage outweigh the costs for added services. [4] Safety-net care from hospitals and clinics improves access to care but does not fully substitute for health insurance. These findings are supported by much research, although some cautions are appropriate in using these results. People with health insurance are protected against uncertain and high medical expenses and are more likely to receive needed and appropriate health care. In addition, having health insurance is associated with improved health outcomes...

Find Another Essay On History of Health Insurance

Health Insurance Portability Act of 1996 (Hippa): Is It Best for Us of Not?

1224 words - 5 pages Avneet Khabra Health Careers Ms. Behler December 18, 2013 Hippa? Is it best for us, or not? Hippa is the acronym for the Health Insurance Portability Act of 1996. Confidentiality is a huge issue to the Health Insurance Portability and Accountability Act (Hippa) mainly due to protection of the clients. The act sets standards for the storage and privacy of personal medical data. The rule was enacted on August 21, 1996 by the 104th United States

Economic Implications of National and Private Health Insurance in the United States

3007 words - 12 pages , 37S.Ct 247, 61 L.Ed 667. (1917). Law, Science & Public Health Program, Louisiana State University Law Center. Retrieved from Manchikanti, L. & Hirsch, J.A. (2009). Obama Health Care for All Americans: Practical Implications. Pain Physician, 12, 289-204. Roberts, J.A. (2009). A History of Health Insurance in the U.S. and Colorado. Denver, CO: University of Denver. Ross, J.S. (2002). The

The Feasability of the Proposed National Health Insurance in South Africa

2282 words - 10 pages The Feasibility of the propose Nation Health Insurance in South Africa The Nation Health Insurance (NHI) is an insurance scheme that was released on Friday, 12 August 2011, in South Africa, which aims at introducing an innovative system of healthcare financing that, will only lead to the benefit of South African health outcomes. The NHI’s main aim is not to build more hospitals around the country, but to improve the access to them. The policy

Commitment To Privacy: The Dual Goals of The Health Insurance Portability and Accountability Act (HIPPA

1560 words - 6 pages In 1996 the federal government passed a law called The Health Insurance Portability and Accountability Act (HIPPA) with “dual goals of making health care delivery more efficient and increasing the number of Americans with health insurance coverage” (Nass & Levit). The 1990’s brought about the realization that the medical industry would be run more efficiently by computerizing medical records. Title II of HIPPA, titled Administration

The expansion of private health insurance in the United States is expected will to lead to universal healthcare coverage

1838 words - 8 pages struggle that is going on the health care industry. There are many vested interests like healthcare professionals (doctors, hospitals, nurses) against insurance companies. And at the end the most affected in this confrontation are the common American citizens that cannot get good quality and affordable health care. The American health insurance and health care market is a for-profit industry. This industry puts revenue before the wellbeing of their

History of Mental Health

4512 words - 18 pages proportion of their funds would come from state and local sources and from health insurance and other third party payments. The funds would be redirected from institutional to community based care as the institutional population decreased. Many different kinds of organizations were eligible to sponsor community mental health centers - general hospitals with psychiatric units, outpatient facilities, state mental hospitals, or private nonprofit agencies

History of Public Health

1102 words - 4 pages the spread of the infection, however this did little to stop the spread of the rodent-borne fleas carrying diseases. Burning parts of cities resulted in much greater benefit, since it destroyed the rodent infestations. The development of quarantine in the medieval period helped mitigate the effects of other infectious diseases as well. The history of public health in the United States can be divided into four major eras: Before 1850- battling

History of Public Medical Insurance Care in Canada

1159 words - 5 pages were adamant about their stance against Medicare; they were determined to discontinue the growth of its popularity (Bernard). However, public health care became nationalized at the federal level, under the Hospital Insurance and Diagnostic Services Act passed in 1957 by the Liberals. Furthermore, Medicare would be adopted by all Canadian provinces by 1961, and the Pearson government would continue to develop this policy to universal health care

History Of Mental Health In America

1679 words - 7 pages insurance program were notable for their relatively generous provisions for mental health care. Another advancement was made in 1996 when the Federal Mental Health Parity Act compelled companies to offer insurance benefits, which covered mental illness as well.Later in 1996, Clinton enacted the Personal Responsibility and Work Opportunity Reconciliation Act of 1996. The central elements in Clinton's proposal were: increasing the earned tax income

History of the National Health Service

2948 words - 12 pages History of the National Health Service The purpose of this essay is to outline the history of the National Health Service and why it was introduced into the everyday lives of the British people. As the NHS is a major factor of the welfare given to the people of Britain, we must look at the early years of the Welfare laws and acts passed down through the centuries, which eventually lead to the creation of the NHS

Collection and Documentation of Health History

1430 words - 6 pages Collection and Documentation of Health History Purpose of Health record Health history or health record is a systematically created document which stores the complete history of the diseases and physical conditions of the patient. This document gives a chance to the physicians to understand the complete background of patient’s physical health and helps them to plan their further strategy for the treatment of the patient. This document also

Similar Essays

Disclosure Of Genetic Tests For Health Insurance

2006 words - 9 pages tests should not be disclosed to insurance companies because of the potential for discrimination in health insurance coverage and the workplace and because of insufficient anti- discrimination legislation. Insurance companies are concerned that the principles their business rests upon will deteriorate if they are denied access to genetic test information (Morris, 2010). Life insurance is based upon the concept that premium paid by an individual

Weighing The Risks Of Going Without Health Insurance

734 words - 3 pages your wallets out. But people in their life has three big risks, none of us can escape. And they are that the unexpected always come unexpectedly, the disease always uninvited, endowment always comes. So the purchase of insurance is a certain role. No matter what we discuss is the health insurance, life insurance, car insurance or other forms of personal insurance, the mechanism is that the probability of bad things happening to you is very small

This Paper Is About Different Kinds Of Employee Benefits. From Health Insurance To Dental Insurance And Savings Plans

1078 words - 4 pages The pathologists here at the Jeffersonian institute work very hard and are a necessity that this institute cannot exist without them. Pathologist need employee benefits such as health insurance, time off, retirement and savings plan. They also need a dental plan and long term disability insurance. If the pathologists that are employed here get those items the chance of them staying here for a long time is guaranteed. So this is my

Discussion Of The Feasibility Of A Centralized “National Health Insurance Fund

1130 words - 5 pages In The Department of Health’s expedition of achieving “universal healthcare access”, it proposed the idea of a centralized “National Health Insurance Fund”. In order to discuss the feasibility of the fund the following will be discussed: A brief outline of the NHI and its objectives, the burden imposed on the Health care system in South Africa due to the quadruple burden of diseases (HIV/AIDS and TB, Maternal and child death, non-communicable