Uninsured in the United States

Blogging is a relatively current technology that has helped shape how people communicate. With the abet of the internet, minority groups have been able to accumulate public relieve and attention from their blog posts. The internet has gained mass popularity in the previous 15 years growing at an exponential rate; it allows us to advance anyone anywhere at the accelerate of light. Blogging is significant because the average person can now project their message to millions of people online almost instantly. Blogs have become a key tool for minority groups to salvage their belief across without spending a lot of money. They have empowered and given a utter to, people without adequate health insurance, and will be able to back more people in the future if the trend of blogging continues.

More than 44.8 Million people in the United States do not have health insurance (Wattenberg). This causes a expansive deal of effort for the average person living in the United States. The inquire is whether or not health insurance is worth the amount of money they will have to exhaust or if they even have the money to consume on it. They then will eye at the opportunity cost; this is what they will have to give up if they don’t consume health insurance. When struggling to obtain this decision they often search for at themselves as healthy and won’t need or can’t afford health insurance. Health insurance costs on average of $10,880 dollars per family, however most companies screen a ample share of,this cost, thus making it cost on average $2,713 per year (Appleby). These numbers are staggering for the average family in America who design only $48,201 per year.

The uninsured in the USA are a seemingly invisible group to political elite and law makers. The quandary with Universal healthcare is that it would, in theory, give everyone an equal opportunity at who gets what doctor. In other words there would be no “better” hospital to visit if you were wealthy or had some sort of influence. The documentary Sicko Michael Moore outlines what happens to people without health insurance in the USA, and it also largely covers what happens to people who have health insurance but their thought limits how noteworthy care they can receive. The documentary also includes what happens to people who live in countries who have universal healthcare. The documentary was an coarse bias towards Universal Healthcare, but it outlined many facts. The following quote comes from the Institute of Medicine, was featured in the movie Sicko, and indicates the severity of the US healthcare predicament.

According to the Institute of Medicine, “lack of health insurance causes roughly 18,000 unnecessary deaths every year in the United States. Although America leads the world in spending on health care, it is the only wealthy, industrialized nation that does not ensure that all citizens have coverage.” (“Insuring America’s Health: Principles and Recommendations”)

This is a scary number of people that die each year from the lack of financial means in the United States. With the institution of Universal Healthcare that number would be down to zero.

The scary facts about United States original healthcare system are that the United States Government is doing cramped in the plan of making this number go down. Hillary Clinton, one of the biggest supporters of Universal Healthcare, was bought out by the drug companies and doctors in the do of campaign money. She is the second highest recipient of money from the new healthcare system; thus causing a conundrum (Christensen). How can the government fix the new pickle when the candidates themselves are in the pockets of the healthcare system and sizable drug manufacturers? Most understanding it as a dilemma, but do not know the extent of the problem; the healthcare companies are spending more and more money hiring people to fight congress over healthcare plans. In fact, there are 2,084 lobbyist and only 535 members of congress (Mayor).

The uninsured are a tremendous marginalized group in the United States that are not being represented by the government with adequate representation. The drug companies have the most to lose if the United States government adopts universal healthcare. They will lose the most because suitable now they are making their fortune off the original health insurance notion in the United States. They create their money off not treating everyone and from their high premiums. The modern Bush administration has been urged by the drug companies to not agree to a universal healthcare system. They offer payouts to high political figures such as George W. Bush himself. This money is fair a share of the amount of money that these drug companies receive every year from American families.

The uninsured American has no plot to argue with the insurance or drug companies over how considerable their care will cost them. To achieve it simply, they can’t. The following is a quote from Kuro5hin.org which posted this argument about bargaining rights of the uninsured:

“An individual who needs medical care has no bargaining power whatsoever with a hospital. He can either agree to pay whatever he is charged, or he can die. There are no other choices. In some cases, the government will force him to score medical care – if he is a minor child in a family that does not wish to regain him any for religious or financial reasons, or if he is considered not to be in possession of reason – but he will detached be billed. Refusing medical care for a unsafe or fatal condition is something most people won’t do – and may, in fact, be considered evidence of insanity which takes away the patient’s correct to refuse treatment at all. He can’t crawl out because the tag seems unreasonable. In some cases negotiation is fruitful, but often it isn’t.”

This following scenario is a precise status that far too many Americans face who are uninsured. They have no plan to pay off their bill so they can only decide to refuse care instead, often doing this to relieve their families financially. Their bills often acquire so high that if they chose to die, it would be better financially. So are we putting a designate on human life?

Scared by the wintry shoulder that the U.S. Senate shows the uninsured, I looked into precise life accounts of uninsured persons in the United States and their chilling stories. The following sage touched me because it is of a hard working miner named Lenny who worked all his life in unforgiving conditions. He survived a mine fire which killed 91 of his co-workers. This didn’t end Lenny from returning to work, because after all he had three kids and with his job grand health care. Unfortunately for Lenny he had health care up until the mine he worked for laid everyone off. This left Lenny with serious health problems from working underground for twenty years. He would eventually need medical care; so he applied for a job that offered medical assistance, and the only procure was that it took 60 days to go into carry out. The following comes from (Sered and Fernandopulle):

“The luck that had made Lenny one of the survivor’s of the 1972 mine fire had accelerate out. Only 30 days after he began the job, he fell down onto the pavement in tubby cardiac arrest. Paramedics flew him to Spokane, Wash., to a cardiac unit. His recovery was far better than anyone expected, but he was saddled with expansive medical bills. A year later, he was sent to the hospital for angioplasty and eventually open-heart surgery. The doctors saved his life, but Lenny is peaceful suffering acute headaches as a result of falling to the pavement when he experienced the initial cardiac arrest. The cardiologist sent him to an otolaryngologist, who then sent him to other specialists for treatments; none has eliminated his headaches.

The bill for his various surgeries, consultations, medications, and treatments is more than $140,000—it might as well be $1 billion in terms of Lenny ever being able to pay it. His sole income at this time is the $400/month pension he receives from the mining company.

The second ending to Lenny’s sage is a bit different. Speaking with feeling about the first time he had to ask for public assistance, tears advance into his eyes, which seems incongruous for a man who went aid down into the mine as soon as the smoke from the deadly fire had cleared out. “We have worked all of our lives, even went to work sick,” Lenny says. And now, instead of the dignity of automatic access to care, he depends on the golden heart of the county indigent assistance program.”

Lenny’s case is not an isolated one by any means; many people are uninsured and fragment similar stories about how the flaws of the new healthcare system.

Recently the blogging phenomenon has allowed many people with internet access to be able to section their healthcare stories with the world. Many people who can’t afford insurance can’t afford the cost of high race internet which is required in order to blog. However, many public libraries offer this service and this allows many to have a direct when they wouldn’t previously. Healthinsuranceblog.com offers many different facts about the benefits of healthcare and what could happen if you don’t have it. The blog does not give proper life accounts of people who are uninsured, but they assist raise awareness of what it means to not have insurance. The blog brings up a excellent point about why Universal Healthcare in the United States is unlikely, we don’t have the money to provide healthcare for everyone. The government currently does not have the allocated funds to screen insurance for everyone. With a tax it might be able to afford healthcare, but currently there is not enough money. Over 55% of the uninsured don’t pay taxes (healthinsuranceblog) and there would have to be higher taxes for everyone while only some people serve. Health Insurance Blog is a political blog that outlines what the upcoming presidential candidates help for health care.

Healthcare is often a matter of life and death for many. Without health insurance, the uninsured cannot afford routine doctors visits so if there is something nefarious with them it is not detected until it’s too slack. Most of the illness that people get can be easily treated with trustworthy care, but since most people dread the cost of a doctors or hospital visit they are left untreated.

Uninsured persons consume political candidates to back rep their message to the public about how principal their situations are. On the website healthinsuranceblog.com the democratic author talked about how politicians are getting the public aware of what it is like to be uninsured:

“In the Democratic Party primaries of 1988, for example, candidate Michael Dukakis talked about a young single mother who had two jobs and mild could not afford medical insurance for herself and her children. In 1992, Bill Clinton did the same, changing the epic only slightly. This time it was the case of a woman with diabetes who could not gain health insurance because of her chronic condition. And now, in the 2008 primaries, Hillary Rodham Clinton (whom I worked with on the White House Health Care Reform Task Force in 1993) describes a similar case. This time it is a single woman, with two daughters, who cannot pay her medical bills because her congenital heart defect makes it impossible for her to get medical insurance coverage. And Barack Obama describes similar cases, with the eloquence that characterizes all of his speeches. He frequently refers to his enjoy mother, who had cancer and had to danger not only about her illness but about paying her medical bills.”

Healthcare cannot wait grand longer. Americans are dying every day because they can’t afford to go to salvage a routine doctors visit or they can’t afford their medication. I looked at the earning of the CEO of GlaxoSmithKline which is one of the larger providers of health insurance, Jean-Pierre Garnier the CEO made $9.4 million dollars last year. How is it handsome that many people in the United States are uninsured and can’t afford to accumulate the succor they need, and the CEO’s of the companies that are denying them affordable healthcare are making a broad salary. When people have to work two jobs objective to be able to afford to pay for their medications, why should insurance and drug companies continue to be making such a sizable profit?

Internet savvy users who happen to be uninsured illustrate their hardships over the internet. Oftentimes, people without healthcare who have problems have a hard time expressing their feelings about their situations because they either can’t afford to expend the internet or are too frustrated. The internet, along with blogs, has become a tool for people to snarl their understanding without the censor of mainstream media. Blogs are written by people who have a snort and without an agenda (for the most fraction anyway; there are also corporate blogs).

Health care blogs are written by numerous people including, doctors, people without health insurance, and supporters of healthcare for everyone also known as universal healthcare. The commonwealthfund.org is an internet plot that describes stories of people without healthcare and their hardships. The region is made for people to rep awareness of how poor it is to not have healthcare, and even crawl down the stereotypes of people without health insurance. One stereotype I dilapidated to have is that people without health insurance are idle, and or did not work hard enough to be able to afford it so it was be their fault for not having it. After looking at this state that gives minorities a narrate, I learned that even college-educated men and woman have a hard time getting health care.

One profile on commonwealthfund.org was of a college graduate named Ryan who had to resolve whether or not to win a job based on income or healthcare. He was a healthy young individual who did not judge he would need healthcare so he decided to purchase a job teaching which did not offer trustworthy benefits. Ryan fell down on his apartment stairs and damage his knee, he now has very high hospital bills to pay off. He later had to engage a job that paid less but offers health benefits. Ryan ended up getting care for his knee in Chili because they did not charge as noteworthy and offered equal or better service. The demand I have to ask after reading Ryan’s chronicle that he told was why should anyone have to decide between a career or a job that offers health benefits? What happened to what we were told as kids: “we can be anything we want to be? ” The truth is with our modern opinion many Americans are finding themselves working for adequate health service.

Blogs have become an salubrious make of education for people who did not know about what is happening to the uninsured. With the new popularity of blogs, many are using their suppose to disprove popular misconceptions about what is it like to not be fully covered by their insurance company when they need care. After reading all the Profiles of the uninsured on commonwealthfund.org I wanted to know more about how we could derive their stories across to more people. The upcoming election for president has given the most power to the uninsured. The biggest plight that is being addressed besides the Iraq war is the topic of affordable healthcare for all. The fact is that healthcare is only affordable for the average American making under $50,000 for a family is one that is mostly covered by their employer. But with the economy falling without or petite growth since 2001 has not made it accessible for cramped companies to provide healthcare for their employees.

Cramped business owners are finding it increasingly difficult to afford the cost of healthcare for employees. Little businesses have to deal with high taxes by the government on their income (this number is usually around 35% but can very residence by set), this is a high number so the amount of funds left after paying for overhead is very dinky. The goal of exiguous business it to expand and grow, but how can they afford to do that with all the costs they have? If healthcare cost less for business owners the economy would follow suit. It would grow, and I dare say we would be out of the recession that we are currently in. There is miniature in create of growth in the United States compared to other developing nations.

Universal Healthcare to many Americans is not essential to them because they are already covered; however I am concerned about it because the United States is doing so poorly economically. Blogs have been considerable in addressing the stammer of how mighty money in being spent by individuals every year. In 2003 1.3 trillion dollars was spent on healthcare by the American people. This is an alarming amount of money that is going to something that is under regulated as far as effect goes. The drug companies and insurance companies are taking a tall part of all Americans income each year. Healthcare blogs have played a substantial role in getting the public’s attention at this divulge. They often develop issues aware to us that we may not have known about; blogs unlike mainstream media are not censored and do not have a corporate sponsor. Americans who do not have health insurance collect their stories about their hardships on blogs or others write about them on their behalf.

I found a family member in my family who did not have health insurance. I learned last year she had a major operation on her relieve, and I often wondered how she was going to pay for it. I conducted an interview with her and what I found out was disturbing. I have to say I am slightly bias towards this because she is a family member; however it does not obtain the facts any less chilling.

My Aunt Lisa Herbert is a working class woman who did not achieve high school or encourage any formal schooling after she dropped out. She got pregnant at the young age of 15 and had her first child at the age of 16. Lisa had a tough life from her teenage years. She had a hard time raising a kid at her age; she went through multiple husbands and boyfriends who would promise to remove care of her children but left her financially ruined. Lisa’s narrative regarding medical insurance starts two years ago in 2006. From all aspects she had a hard life but she wanted to unexcited effect something of herself, she got a job at a Dunkin Donuts as was promoted fast to manager. She was enjoying for the first time in her life financial freedom even if it was small; she had the sense of independence. She went to work unbiased as she has always done one day in the winter; she fell on the ice leading up to the Dunkin Donuts she worked at. She fractured one her vertebras, however not life threatening, neither were her injuries threatening enough to beget her become a paraplegic. However she was collected injured. Lisa could not perambulate or be mobile for over 6 months; now imagine this as she described to me, she was finally becoming financially independent and was proud to become a manager, then after one accident she landed in the hospital. She did not have trustworthy insurance; she had what Dunkin Donuts provided for her. She was “lucky” in the sense that because she did not have the financial means to sue them. Dunkin Donuts gave her the pay for the 6 months that she was not working. She took this as a gift, but from my point of thought she could have got more out of them if she had money. Lisa then had to pay overwhelming medical bills (the genuine amount was not disclosed) that mounted on her already oppressed plot.

Lisa’s tale is not an isolated one or even a rarity in the United States. Many workers who are working either retail or chain restaurants are not making it financially. The rising cost of healthcare that is not provided from the companies that they are working for is overwhelming and often times unaffordable. The blogging community is unbiased starting to win up issues of social injustice that is being done to marginalized groups such as the medically uninsured in the United States and giving them a protest. These groups should not be silenced because they do not have enough money to pay for noble care or routine visits.

I want to address one primary jabber that the readers of this paper may be having; I have talked a lot about universal healthcare and how the uninsured need care as well. Many Americans that I have spoken to said that they don’t want inappropriate quality care if we decided to do universal healthcare. I have a personal account I want to piece to obvious up any confusion with the quality of nonprofit hospitals or hospitals that offer free care. When I was the age of 15 I had a severe flat foot quandary, with health insurance that covered nearly 99% of all medical bills my parents had to pay over $3,000 out of pocket for treatment in order to derive custom made orthotics for my feet and other care. They did not work. I ended up going to a hospital in Springfield Massachusetts that offered free orthopedic care to anyone under the age of 18; we did this only because all the “specialists” we visited did not succor my condition. My doctor I had was the top orthopedic surgeon at the hospital and could rival any at a paying hospital. He suggested a modern treatment for my feet without surgery and gave me free orthotics that actually helped. My family had the money to glean nearly any doctor that would assist me however this was the only doctor that knew what he was doing that we visited so far. He was aloof paid but by donations (he drove a 7 series BMW so he was getting paid a lot). I believe that Americans that are opposing universal healthcare have a hooked opinion on what it means to not have insurance pay for their care. I want to address one more thing, I found out about this hospital from a healthcare blog (can’t remember which one) which had other patients writing about their care and how they were helped by this hospital.

Universal healthcare to many is something that we want and strive for in America; but the interrogate we have to ask is can we afford it? A recognize was done on the National Center for Political Analysis website outlining what would happen if we adopted universal healthcare today. According to the area if we were to peruse at another universal healthcare belief such as Sweden’s, America would suffer far beyond what it is suffering today. Due to lower funding to hospitals through taxes instead of the healthcare providers, we would experience the following, a flow in fresh staff for hospitals, reduction in staff at hospitals and clinics, reduction in beds at hospitals to house patients, undertrained people taking on higher responsibilities such as surgery (Larson,1). This makes it hard for us to mediate universal healthcare in America when there are so many negatives. However should the voices of the uninsured that are dying simply because they can’t afford their premiums be silenced?

Many of the uninsured living in America now are between the ages of 20-30, these by all means are young healthy individuals who feel like they will never need insurance until past the age of 30. They believe, what are the odds of getting sick? They are classified by the insurance agencies as “young invincibles” these are the people who do not have the average $3,000 a year to exercise on health insurance let alone if their employer even offers it. Jake Hollner is by all rights a young healthy individual who at the age of 24 is working for Home Depot and is an artist fragment time. He missed the insurance that Home Depot offers as it is only offered once a year in a two week time frame. He concept to himself that he did not have the money to afford insurance (he was only making $6 an hour) so why bother? The money he would effect from the insurance could be set to his medical bill if he had a onetime accident. He suffered from stomach ulcers since his undergraduate years in college, these ulcers impartial starting coming succor so he decided to bite the bullet and go to the doctors for assist. He paid $200 for the visit and $73 for the prescription. This was his entire paycheck for the week but he was sparkling moral? The ulcers did not go away after he took his medication; he had to do the unthinkable for an uninsured person, he went to the emergency room. He lost his gamble with not having insurance he ended up paying a fortune for his ulcer coverage because he was without health insurance. The genuine costs were not disclosed. Jake before the doctor visit could barely afford rent and other living expenses including health insurance (Amsden, 1).

There are other stories such as Jake’s out there, where young people who are rarely sick do not have the coverage they need in case of an emergency. The healthcare providers commented on this blog which Jake’s tale was on. They gave him a link to rep affordable healthcare through them, the provider is Blue Depraved Blue Shield. Even if there was “affordable” healthcare to many, how could someone like Jake who was only making $6 an hour be able to fix his other expenses? There is no cutting corners in his case, he has no money and is living on necessities.

With the institution of universal healthcare people such as Jake would not have to pay a lot to obtain coverage since he does not manufacture a lot. Why is it that in America the better off richer class doesn’t want to wait on everyone else? Universal healthcare redistributes the wealth that we are not getting a fraction of. When the majority of our wealth is going to the 1/10 of the top 1% in our country how can the rest of us afford to live? In theory, their money would befriend fund everyone else with healthcare from their taxes. Wouldn’t it be better to live in a community where everyone helps each other, and there is no one who has to resolve between eating or taking their child to the doctor’s office?

Universal healthcare is a topic that cannot be ignored any longer. We have too many people living amongst us who simply cannot afford the absurd premiums that the insurance companies are charging. The people that are dying because they cannot afford regular doctors visits are proper people who have families and people that rely on them. This is a change that will need to be addressed as our recent president comes into office in the year.

Amsden, David. A Generation Uninsured. 26 March 2007. 10 4 2008 .

Appleby, Julie. USA Today. 12 February 2004. 2008 .

Blarney. Kuro5hin. 30 October 2003. 2006 .

“Blogging it.” Modern Healthcare 34.37 (13 Sep. 2004): 42-42. Academic Search Premier. EBSCO. Keene Space Library, Keene, NH 26 February 2008. .

Dalmia, Shikha. “Saying No to CoerciveCare.” Wall Street Journal – Eastern Edition 31 Jan. 2008: A16. Academic Search Premier. EBSCO. Keene Situation Library, Keene, NH. 26 February 2008. st-live&scope=site>.

Devore, Chuck. “Schwarzenegger’s Universal Healthcare Suffers Setback.” Human Events 64.5 (04 Feb. 2008): 7-14. Academic Search Premier. EBSCO. Keene Plot Library, Keene, NH. 26 February 2008. .

healthinsurance. Health Insurance Blog. 25 March 2008. 2008 .

McCabe, Patrick. Robert Wood Johnson Foundation. 27 April 2005. 2008 .

Moore, Michael. Sicko check up the facts. 2008 .

NCPA. Lessons from Sweden’s Universal Healthcare. 24 4 2008. 24 4 2008 .

(NCPA)”Outliers.” Modern Healthcare 37.34 (27 Aug. 2007): 68-68. Academic Search Premier. EBSCO. Keene Spot Library, Keene, NH. 26 February 2008. .

Susan Sered and Rushika Fernandopulle, M.D. The Celebrated Wealth Fund. 2 February 2005. 2008 .

Thielst, Christina Beach. “Weblogs: A Communication Tool.” Journal of Healthcare Management 52.5 (Sep. 2007): 287-289. Academic Search Premier. EBSCO. Keene Plot Library, Keene, NH. 26 February 2008. .

“Wanna play politics, kid? D.C. welcomes you to the gigantic leagues.” Modern Healthcare 37.41 (15 Oct. 2007): 36-36. Academic Search Premier. EBSCO. Keene Location Library, Keene, NH. 21 February 2008. .

Wattenberg, Ben. PBS. 2003. 12 4 2008 .

A blog of one’s own

Uninsured in the United States

Blogging is a relatively current technology that has helped shape how people communicate. With the encourage of the internet, minority groups have been able to obtain public encourage and attention from their blog posts. The internet has gained mass popularity in the previous 15 years growing at an exponential rate; it allows us to come anyone anywhere at the urge of light. Blogging is indispensable because the average person can now project their message to millions of people online almost instantly. Blogs have become a key tool for minority groups to collect their notion across without spending a lot of money. They have empowered and given a yell to, people without adequate health insurance, and will be able to befriend more people in the future if the trend of blogging continues.

More than 44.8 Million people in the United States do not have health insurance (Wattenberg). This causes a gigantic deal of peril for the average person living in the United States. The interrogate is whether or not health insurance is worth the amount of money they will have to exhaust or if they even have the money to exhaust on it. They then will stare at the opportunity cost; this is what they will have to give up if they don’t acquire health insurance. When struggling to fabricate this decision they often spy at themselves as healthy and won’t need or can’t afford health insurance. Health insurance costs on average of $10,880 dollars per family, however most companies camouflage a mountainous part of,this cost, thus making it cost on average $2,713 per year (Appleby). These numbers are staggering for the average family in America who form only $48,201 per year.

The uninsured in the USA are a seemingly invisible group to political elite and law makers. The pickle with Universal healthcare is that it would, in theory, give everyone an equal opportunity at who gets what doctor. In other words there would be no “better” hospital to visit if you were wealthy or had some sort of influence. The documentary Sicko Michael Moore outlines what happens to people without health insurance in the USA, and it also largely covers what happens to people who have health insurance but their idea limits how considerable care they can receive. The documentary also includes what happens to people who live in countries who have universal healthcare. The documentary was an grievous bias towards Universal Healthcare, but it outlined many facts. The following quote comes from the Institute of Medicine, was featured in the movie Sicko, and indicates the severity of the US healthcare quandary.

According to the Institute of Medicine, “lack of health insurance causes roughly 18,000 unnecessary deaths every year in the United States. Although America leads the world in spending on health care, it is the only wealthy, industrialized nation that does not ensure that all citizens have coverage.” (“Insuring America’s Health: Principles and Recommendations”)

This is a scary number of people that die each year from the lack of financial means in the United States. With the institution of Universal Healthcare that number would be down to zero.

The scary facts about United States fresh healthcare system are that the United States Government is doing miniature in the arrangement of making this number go down. Hillary Clinton, one of the biggest supporters of Universal Healthcare, was bought out by the drug companies and doctors in the originate of campaign money. She is the second highest recipient of money from the novel healthcare system; thus causing a conundrum (Christensen). How can the government fix the unique jam when the candidates themselves are in the pockets of the healthcare system and gargantuan drug manufacturers? Most concept it as a plight, but do not know the extent of the problem; the healthcare companies are spending more and more money hiring people to fight congress over healthcare plans. In fact, there are 2,084 lobbyist and only 535 members of congress (Mayor).

The uninsured are a tall marginalized group in the United States that are not being represented by the government with adequate representation. The drug companies have the most to lose if the United States government adopts universal healthcare. They will lose the most because fair now they are making their fortune off the novel health insurance notion in the United States. They build their money off not treating everyone and from their high premiums. The original Bush administration has been urged by the drug companies to not agree to a universal healthcare system. They offer payouts to high political figures such as George W. Bush himself. This money is honest a portion of the amount of money that these drug companies receive every year from American families.

The uninsured American has no procedure to argue with the insurance or drug companies over how distinguished their care will cost them. To place it simply, they can’t. The following is a quote from Kuro5hin.org which posted this argument about bargaining rights of the uninsured:

“An individual who needs medical care has no bargaining power whatsoever with a hospital. He can either agree to pay whatever he is charged, or he can die. There are no other choices. In some cases, the government will force him to score medical care – if he is a minor child in a family that does not wish to find him any for religious or financial reasons, or if he is considered not to be in possession of reason – but he will peaceful be billed. Refusing medical care for a risky or fatal condition is something most people won’t do – and may, in fact, be considered evidence of insanity which takes away the patient’s correct to refuse treatment at all. He can’t promenade out because the ticket seems unreasonable. In some cases negotiation is fruitful, but often it isn’t.”

This following scenario is a precise status that far too many Americans face who are uninsured. They have no device to pay off their bill so they can only settle to refuse care instead, often doing this to abet their families financially. Their bills often win so high that if they chose to die, it would be better financially. So are we putting a notice on human life?

Jumpy by the wintry shoulder that the U.S. Senate shows the uninsured, I looked into dependable life accounts of uninsured persons in the United States and their chilling stories. The following chronicle touched me because it is of a hard working miner named Lenny who worked all his life in unforgiving conditions. He survived a mine fire which killed 91 of his co-workers. This didn’t close Lenny from returning to work, because after all he had three kids and with his job astronomical health care. Unfortunately for Lenny he had health care up until the mine he worked for laid everyone off. This left Lenny with serious health problems from working underground for twenty years. He would eventually need medical care; so he applied for a job that offered medical assistance, and the only gather was that it took 60 days to go into attain. The following comes from (Sered and Fernandopulle):

“The luck that had made Lenny one of the survivor’s of the 1972 mine fire had hasten out. Only 30 days after he began the job, he fell down onto the pavement in fat cardiac arrest. Paramedics flew him to Spokane, Wash., to a cardiac unit. His recovery was far better than anyone expected, but he was saddled with colossal medical bills. A year later, he was sent to the hospital for angioplasty and eventually open-heart surgery. The doctors saved his life, but Lenny is tranquil suffering acute headaches as a result of falling to the pavement when he experienced the initial cardiac arrest. The cardiologist sent him to an otolaryngologist, who then sent him to other specialists for treatments; none has eliminated his headaches.

The bill for his various surgeries, consultations, medications, and treatments is more than $140,000—it might as well be $1 billion in terms of Lenny ever being able to pay it. His sole income at this time is the $400/month pension he receives from the mining company.

The second ending to Lenny’s fable is a bit different. Speaking with feeling about the first time he had to ask for public assistance, tears approach into his eyes, which seems incongruous for a man who went encourage down into the mine as soon as the smoke from the deadly fire had cleared out. “We have worked all of our lives, even went to work sick,” Lenny says. And now, instead of the dignity of automatic access to care, he depends on the golden heart of the county indigent assistance program.”

Lenny’s case is not an isolated one by any means; many people are uninsured and fraction similar stories about how the flaws of the original healthcare system.

Recently the blogging phenomenon has allowed many people with internet access to be able to piece their healthcare stories with the world. Many people who can’t afford insurance can’t afford the cost of high urge internet which is required in order to blog. However, many public libraries offer this service and this allows many to have a convey when they wouldn’t previously. Healthinsuranceblog.com offers many different facts about the benefits of healthcare and what could happen if you don’t have it. The blog does not give staunch life accounts of people who are uninsured, but they support raise awareness of what it means to not have insurance. The blog brings up a beneficial point about why Universal Healthcare in the United States is unlikely, we don’t have the money to provide healthcare for everyone. The government currently does not have the allocated funds to mask insurance for everyone. With a tax it might be able to afford healthcare, but currently there is not enough money. Over 55% of the uninsured don’t pay taxes (healthinsuranceblog) and there would have to be higher taxes for everyone while only some people attend. Health Insurance Blog is a political blog that outlines what the upcoming presidential candidates benefit for health care.

Healthcare is often a matter of life and death for many. Without health insurance, the uninsured cannot afford routine doctors visits so if there is something corrupt with them it is not detected until it’s too tedious. Most of the illness that people win can be easily treated with sterling care, but since most people dismay the cost of a doctors or hospital visit they are left untreated.

Uninsured persons exhaust political candidates to back gain their message to the public about how important their situations are. On the website healthinsuranceblog.com the democratic author talked about how politicians are getting the public aware of what it is like to be uninsured:

“In the Democratic Party primaries of 1988, for example, candidate Michael Dukakis talked about a young single mother who had two jobs and quiet could not afford medical insurance for herself and her children. In 1992, Bill Clinton did the same, changing the chronicle only slightly. This time it was the case of a woman with diabetes who could not gain health insurance because of her chronic condition. And now, in the 2008 primaries, Hillary Rodham Clinton (whom I worked with on the White House Health Care Reform Task Force in 1993) describes a similar case. This time it is a single woman, with two daughters, who cannot pay her medical bills because her congenital heart defect makes it impossible for her to get medical insurance coverage. And Barack Obama describes similar cases, with the eloquence that characterizes all of his speeches. He frequently refers to his have mother, who had cancer and had to disaster not only about her illness but about paying her medical bills.”

Healthcare cannot wait noteworthy longer. Americans are dying every day because they can’t afford to go to collect a routine doctors visit or they can’t afford their medication. I looked at the earning of the CEO of GlaxoSmithKline which is one of the larger providers of health insurance, Jean-Pierre Garnier the CEO made $9.4 million dollars last year. How is it delicate that many people in the United States are uninsured and can’t afford to procure the aid they need, and the CEO’s of the companies that are denying them affordable healthcare are making a stout salary. When people have to work two jobs honest to be able to afford to pay for their medications, why should insurance and drug companies continue to be making such a stout profit?

Internet savvy users who happen to be uninsured illustrate their hardships over the internet. Oftentimes, people without healthcare who have problems have a hard time expressing their feelings about their situations because they either can’t afford to utilize the internet or are too frustrated. The internet, along with blogs, has become a tool for people to pronounce their understanding without the censor of mainstream media. Blogs are written by people who have a speak and without an agenda (for the most fragment anyway; there are also corporate blogs).

Health care blogs are written by numerous people including, doctors, people without health insurance, and supporters of healthcare for everyone also known as universal healthcare. The commonwealthfund.org is an internet residence that describes stories of people without healthcare and their hardships. The state is made for people to obtain awareness of how poor it is to not have healthcare, and even prance down the stereotypes of people without health insurance. One stereotype I obsolete to have is that people without health insurance are inactive, and or did not work hard enough to be able to afford it so it was be their fault for not having it. After looking at this state that gives minorities a express, I learned that even college-educated men and woman have a hard time getting health care.

One profile on commonwealthfund.org was of a college graduate named Ryan who had to decide whether or not to obtain a job based on income or healthcare. He was a healthy young individual who did not mediate he would need healthcare so he decided to grasp a job teaching which did not offer fine benefits. Ryan fell down on his apartment stairs and pain his knee, he now has very high hospital bills to pay off. He later had to steal a job that paid less but offers health benefits. Ryan ended up getting care for his knee in Chili because they did not charge as remarkable and offered equal or better service. The inquire I have to ask after reading Ryan’s tale that he told was why should anyone have to settle between a career or a job that offers health benefits? What happened to what we were told as kids: “we can be anything we want to be? ” The truth is with our unique opinion many Americans are finding themselves working for adequate health service.

Blogs have become an splendid effect of education for people who did not know about what is happening to the uninsured. With the original popularity of blogs, many are using their dispute to disprove current misconceptions about what is it like to not be fully covered by their insurance company when they need care. After reading all the Profiles of the uninsured on commonwealthfund.org I wanted to know more about how we could accumulate their stories across to more people. The upcoming election for president has given the most power to the uninsured. The biggest scrape that is being addressed besides the Iraq war is the topic of affordable healthcare for all. The fact is that healthcare is only affordable for the average American making under $50,000 for a family is one that is mostly covered by their employer. But with the economy falling without or tiny growth since 2001 has not made it accessible for dinky companies to provide healthcare for their employees.

Slight business owners are finding it increasingly difficult to afford the cost of healthcare for employees. Runt businesses have to deal with high taxes by the government on their income (this number is usually around 35% but can very location by area), this is a high number so the amount of funds left after paying for overhead is very petite. The goal of petite business it to expand and grow, but how can they afford to do that with all the costs they have? If healthcare cost less for business owners the economy would follow suit. It would grow, and I dare say we would be out of the recession that we are currently in. There is petite in obtain of growth in the United States compared to other developing nations.

Universal Healthcare to many Americans is not significant to them because they are already covered; however I am concerned about it because the United States is doing so poorly economically. Blogs have been necessary in addressing the narrate of how considerable money in being spent by individuals every year. In 2003 1.3 trillion dollars was spent on healthcare by the American people. This is an alarming amount of money that is going to something that is under regulated as far as imprint goes. The drug companies and insurance companies are taking a colossal fraction of all Americans income each year. Healthcare blogs have played a huge role in getting the public’s attention at this yelp. They often do issues aware to us that we may not have known about; blogs unlike mainstream media are not censored and do not have a corporate sponsor. Americans who do not have health insurance gather their stories about their hardships on blogs or others write about them on their behalf.

I found a family member in my family who did not have health insurance. I learned last year she had a major operation on her relieve, and I often wondered how she was going to pay for it. I conducted an interview with her and what I found out was disturbing. I have to say I am slightly bias towards this because she is a family member; however it does not invent the facts any less chilling.

My Aunt Lisa Herbert is a working class woman who did not effect high school or assist any formal schooling after she dropped out. She got pregnant at the young age of 15 and had her first child at the age of 16. Lisa had a tough life from her teenage years. She had a hard time raising a kid at her age; she went through multiple husbands and boyfriends who would promise to lift care of her children but left her financially ruined. Lisa’s memoir regarding medical insurance starts two years ago in 2006. From all aspects she had a hard life but she wanted to quiet construct something of herself, she got a job at a Dunkin Donuts as was promoted hastily to manager. She was enjoying for the first time in her life financial freedom even if it was small; she had the sense of independence. She went to work objective as she has always done one day in the winter; she fell on the ice leading up to the Dunkin Donuts she worked at. She fractured one her vertebras, however not life threatening, neither were her injuries threatening enough to construct her become a paraplegic. However she was quiet injured. Lisa could not ride or be mobile for over 6 months; now imagine this as she described to me, she was finally becoming financially independent and was proud to become a manager, then after one accident she landed in the hospital. She did not have great insurance; she had what Dunkin Donuts provided for her. She was “lucky” in the sense that because she did not have the financial means to sue them. Dunkin Donuts gave her the pay for the 6 months that she was not working. She took this as a gift, but from my point of idea she could have got more out of them if she had money. Lisa then had to pay overwhelming medical bills (the real amount was not disclosed) that mounted on her already oppressed state.

Lisa’s chronicle is not an isolated one or even a rarity in the United States. Many workers who are working either retail or chain restaurants are not making it financially. The rising cost of healthcare that is not provided from the companies that they are working for is overwhelming and often times unaffordable. The blogging community is honest starting to acquire up issues of social injustice that is being done to marginalized groups such as the medically uninsured in the United States and giving them a instruct. These groups should not be silenced because they do not have enough money to pay for great care or routine visits.

I want to address one significant tell that the readers of this paper may be having; I have talked a lot about universal healthcare and how the uninsured need care as well. Many Americans that I have spoken to said that they don’t want rank quality care if we decided to do universal healthcare. I have a personal fable I want to part to positive up any confusion with the quality of nonprofit hospitals or hospitals that offer free care. When I was the age of 15 I had a severe flat foot pickle, with health insurance that covered nearly 99% of all medical bills my parents had to pay over $3,000 out of pocket for treatment in order to fetch custom made orthotics for my feet and other care. They did not work. I ended up going to a hospital in Springfield Massachusetts that offered free orthopedic care to anyone under the age of 18; we did this only because all the “specialists” we visited did not succor my condition. My doctor I had was the top orthopedic surgeon at the hospital and could rival any at a paying hospital. He suggested a unique treatment for my feet without surgery and gave me free orthotics that actually helped. My family had the money to come by nearly any doctor that would benefit me however this was the only doctor that knew what he was doing that we visited so far. He was mild paid but by donations (he drove a 7 series BMW so he was getting paid a lot). I consider that Americans that are opposing universal healthcare have a hooked conception on what it means to not have insurance pay for their care. I want to address one more thing, I found out about this hospital from a healthcare blog (can’t remember which one) which had other patients writing about their care and how they were helped by this hospital.

Universal healthcare to many is something that we want and strive for in America; but the inquire we have to ask is can we afford it? A eye was done on the National Center for Political Analysis website outlining what would happen if we adopted universal healthcare today. According to the status if we were to examine at another universal healthcare concept such as Sweden’s, America would suffer far beyond what it is suffering today. Due to lower funding to hospitals through taxes instead of the healthcare providers, we would experience the following, a flow in modern staff for hospitals, reduction in staff at hospitals and clinics, reduction in beds at hospitals to house patients, undertrained people taking on higher responsibilities such as surgery (Larson,1). This makes it hard for us to deem universal healthcare in America when there are so many negatives. However should the voices of the uninsured that are dying simply because they can’t afford their premiums be silenced?

Many of the uninsured living in America now are between the ages of 20-30, these by all means are young healthy individuals who feel like they will never need insurance until past the age of 30. They assume, what are the odds of getting sick? They are classified by the insurance agencies as “young invincibles” these are the people who do not have the average $3,000 a year to expend on health insurance let alone if their employer even offers it. Jake Hollner is by all rights a young healthy individual who at the age of 24 is working for Home Depot and is an artist allotment time. He missed the insurance that Home Depot offers as it is only offered once a year in a two week time frame. He plan to himself that he did not have the money to afford insurance (he was only making $6 an hour) so why bother? The money he would place from the insurance could be build to his medical bill if he had a onetime accident. He suffered from stomach ulcers since his undergraduate years in college, these ulcers unbiased starting coming attend so he decided to bite the bullet and go to the doctors for wait on. He paid $200 for the visit and $73 for the prescription. This was his entire paycheck for the week but he was blooming just? The ulcers did not go away after he took his medication; he had to do the unthinkable for an uninsured person, he went to the emergency room. He lost his gamble with not having insurance he ended up paying a fortune for his ulcer coverage because he was without health insurance. The right costs were not disclosed. Jake before the doctor visit could barely afford rent and other living expenses including health insurance (Amsden, 1).

There are other stories such as Jake’s out there, where young people who are rarely sick do not have the coverage they need in case of an emergency. The healthcare providers commented on this blog which Jake’s tale was on. They gave him a link to net affordable healthcare through them, the provider is Blue Imperfect Blue Shield. Even if there was “affordable” healthcare to many, how could someone like Jake who was only making $6 an hour be able to fix his other expenses? There is no cutting corners in his case, he has no money and is living on necessities.

With the institution of universal healthcare people such as Jake would not have to pay a lot to net coverage since he does not fabricate a lot. Why is it that in America the better off richer class doesn’t want to benefit everyone else? Universal healthcare redistributes the wealth that we are not getting a portion of. When the majority of our wealth is going to the 1/10 of the top 1% in our country how can the rest of us afford to live? In theory, their money would assist fund everyone else with healthcare from their taxes. Wouldn’t it be better to live in a community where everyone helps each other, and there is no one who has to settle between eating or taking their child to the doctor’s office?

Universal healthcare is a topic that cannot be ignored any longer. We have too many people living amongst us who simply cannot afford the absurd premiums that the insurance companies are charging. The people that are dying because they cannot afford regular doctors visits are staunch people who have families and people that rely on them. This is a change that will need to be addressed as our unique president comes into office in the year.

Amsden, David. A Generation Uninsured. 26 March 2007. 10 4 2008 .

Appleby, Julie. USA Today. 12 February 2004. 2008 .

Blarney. Kuro5hin. 30 October 2003. 2006 .

“Blogging it.” Modern Healthcare 34.37 (13 Sep. 2004): 42-42. Academic Search Premier. EBSCO. Keene Plot Library, Keene, NH 26 February 2008. .

Dalmia, Shikha. “Saying No to CoerciveCare.” Wall Street Journal – Eastern Edition 31 Jan. 2008: A16. Academic Search Premier. EBSCO. Keene Residence Library, Keene, NH. 26 February 2008. st-live&scope=site>.

Devore, Chuck. “Schwarzenegger’s Universal Healthcare Suffers Setback.” Human Events 64.5 (04 Feb. 2008): 7-14. Academic Search Premier. EBSCO. Keene Set Library, Keene, NH. 26 February 2008. .

healthinsurance. Health Insurance Blog. 25 March 2008. 2008 .

McCabe, Patrick. Robert Wood Johnson Foundation. 27 April 2005. 2008 .

Moore, Michael. Sicko check up the facts. 2008 .

NCPA. Lessons from Sweden’s Universal Healthcare. 24 4 2008. 24 4 2008 .

(NCPA)”Outliers.” Modern Healthcare 37.34 (27 Aug. 2007): 68-68. Academic Search Premier. EBSCO. Keene Site Library, Keene, NH. 26 February 2008. .

Susan Sered and Rushika Fernandopulle, M.D. The Approved Wealth Fund. 2 February 2005. 2008 .

Thielst, Christina Beach. “Weblogs: A Communication Tool.” Journal of Healthcare Management 52.5 (Sep. 2007): 287-289. Academic Search Premier. EBSCO. Keene Situation Library, Keene, NH. 26 February 2008. .

“Wanna play politics, kid? D.C. welcomes you to the substantial leagues.” Modern Healthcare 37.41 (15 Oct. 2007): 36-36. Academic Search Premier. EBSCO. Keene Situation Library, Keene, NH. 21 February 2008. .

Wattenberg, Ben. PBS. 2003. 12 4 2008 .

An overwhelming 95% of dinky businesses will fail in the first five years, according to the Dinky Business Administration. This is due to many different factors, including lack of interest in the product or service being sold, financial burden, taxes, unforeseen costs, and startup costs. Adding the cost of health insurance for even two or three employees can send a slight business into bankruptcy. Tiny businesses have to obtain other ways to offer benefits to their employees so that they will remain precise to the company. But these days with rising health care costs, many employees need the security of intelligent that they have health benefits through their employer.

Types of Health Plans

Minute businesses have options when it comes to offering tiny group health insurance plans. They can remove out indemnity policies that would require employees to pay for medical costs up front and then be reimbursed. This accomplish of health is the least expensive, but nefarious to employees who cannot afford to pay out of pocket expenses. Another alternative is to offer employees a basic health care package that will hide hospital and some prescription costs. Again, this will cost employees more money. HMO’s and PPO’s are very expensive health plans, but will veil most medical situations. HSA’s are becoming more celebrated as a intention to offer health insurance. These are health savings accounts. Each year, an employee will collect an allotted amount of money that they can exercise for their health care needs. Itsy-bitsy businesses and employees will accumulate tax breaks that will wait on off situation the cost.

Since group health insurance coverage for dinky businesses will cost a lot of money each year, some dinky businesses have decided to offer other incentives to their employees along with a basic health care view. These incentives are sometimes enough to retain employees valid to a company.

Thinking Outside the Box

Employee motivation programs are a contrivance for puny businesses to offer employees extra benefits without adding to the cost of their health insurance.
Small businesses will offer incentive programs that include:

•
Personal Time or Floating Holidays
•
Company discounts on merchandise or services
•
Tuition Reimbursement
•
Extra Sick Days
•
Business Cards
•
Gym Passes
•
Parking Privileges
•
Direct Deposit Options

There are many other incentives slight business owners can give to their employees depending on the type of business they are in. Combining these incentives with a basic health care conception will benefit to retain hard working employees from finding other jobs. Being lenient about leaving work early for a doctor’s appointment or other personal business is another diagram to retain employer loyalty.

The Bottom Line

In the slay, the bottom line will always earn because if a little business cannot pay for itself, then everyone will have to gain a unique job. Runt businesses can be a gamble. But with friendly planning, thinking of creative ways to offer employees competitive wages, health benefits, and other incentives, a diminutive business can succeed. Research is the best map to derive out how to finance any business. Creativity and innovation are the ways to preserve a microscopic business on the suitable track.

Many petite businesses have crucial decisions to perform concerning health insurance. Unfortunately, offering comprehensive health insurance plans to employees can cost a diminutive business a lot of money each year. The business will have to struggle to pay their bills and occupy a healthy bottom line. If a cramped business chooses not to offer a health insurance view, they may risk losing primary employees.

An overwhelming 95% of puny businesses will fail in the first five years, according to the Slight Business Administration. This is due to many different factors, including lack of interest in the product or service being sold, financial burden, taxes, unforeseen costs, and startup costs. Adding the cost of health insurance for even two or three employees can send a runt business into bankruptcy. Exiguous businesses have to catch other ways to offer benefits to their employees so that they will remain true to the company. But these days with rising health care costs, many employees need the security of smart that they have health benefits through their employer.

Types of Health Plans

Petite businesses have options when it comes to offering puny group health insurance plans. They can assume out indemnity policies that would require employees to pay for medical costs up front and then be reimbursed. This fabricate of health is the least expensive, but corrupt to employees who cannot afford to pay out of pocket expenses. Another alternative is to offer employees a basic health care package that will hide hospital and some prescription costs. Again, this will cost employees more money. HMO’s and PPO’s are very expensive health plans, but will camouflage most medical situations. HSA’s are becoming more current as a plan to offer health insurance. These are health savings accounts. Each year, an employee will regain an allotted amount of money that they can consume for their health care needs. Little businesses and employees will net tax breaks that will serve off region the cost.

Since group health insurance coverage for shrimp businesses will cost a lot of money each year, some tiny businesses have decided to offer other incentives to their employees along with a basic health care belief. These incentives are sometimes enough to withhold employees genuine to a company.

Thinking Outside the Box

Employee motivation programs are a arrangement for petite businesses to offer employees extra benefits without adding to the cost of their health insurance.
Small businesses will offer incentive programs that include:

•
Personal Time or Floating Holidays
•
Company discounts on merchandise or services
•
Tuition Reimbursement
•
Extra Sick Days
•
Business Cards
•
Gym Passes
•
Parking Privileges
•
Direct Deposit Options

There are many other incentives dinky business owners can give to their employees depending on the type of business they are in. Combining these incentives with a basic health care thought will abet to sustain hard working employees from finding other jobs. Being lenient about leaving work early for a doctor’s appointment or other personal business is another arrangement to sustain employer loyalty.

The Bottom Line

In the waste, the bottom line will always accumulate because if a exiguous business cannot pay for itself, then everyone will have to get a unusual job. Microscopic businesses can be a gamble. But with suited planning, thinking of creative ways to offer employees competitive wages, health benefits, and other incentives, a puny business can succeed. Research is the best scheme to procure out how to finance any business. Creativity and innovation are the ways to maintain a exiguous business on the good track.