Purchase Health Insurance Or Else
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| Author | : Institute of Medicine |
| Publisher | : National Academies Press |
| Total Pages | : 204 |
| Release | : 2001-10-27 |
| Genre | : Medical |
| ISBN | : 0309076099 |
Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.
| Author | : Institute of Medicine |
| Publisher | : National Academies Press |
| Total Pages | : 213 |
| Release | : 2002-06-20 |
| Genre | : Medical |
| ISBN | : 0309083435 |
Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
| Author | : Matthew R. Hracho |
| Publisher | : |
| Total Pages | : 0 |
| Release | : 2010 |
| Genre | : |
| ISBN | : |
On March 23, 2010, President Obama signed comprehensive health care legislation into law. Although historic, attorneys general from twelve states have filed suit against the federal government challenging the constitutionality of the bill. Specifically, the constitutional challenges focus on the individual health insurance mandate included in the bill. The mandate requires that all citizens have health insurance by 2014 or pay a fine. This Comment analyzes the congressional powers provided by the United States Constitution and the Supreme Court's interpretation of those powers to show why the individual health insurance mandate is unconstitutional.
| Author | : |
| Publisher | : |
| Total Pages | : 20 |
| Release | : 1990 |
| Genre | : Income tax deductions for medical expenses |
| ISBN | : |
| Author | : National Academies of Sciences, Engineering, and Medicine |
| Publisher | : National Academies Press |
| Total Pages | : 161 |
| Release | : 2018-04-02 |
| Genre | : Medical |
| ISBN | : 030946921X |
The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
| Author | : Tamara Thompson |
| Publisher | : Greenhaven Publishing LLC |
| Total Pages | : 130 |
| Release | : 2014-12-02 |
| Genre | : Young Adult Nonfiction |
| ISBN | : 0737771496 |
The Patient Protection and Affordable Care Act (ACA) was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage, and reduce the costs of healthcare overall. Along with sweeping change came sweeping criticisms and issues. This book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout.
| Author | : Amy Finkelstein |
| Publisher | : Columbia University Press |
| Total Pages | : 161 |
| Release | : 2014-12-02 |
| Genre | : Medical |
| ISBN | : 0231538685 |
Addressing the challenge of covering heath care expenses—while minimizing economic risks. Moral hazard—the tendency to change behavior when the cost of that behavior will be borne by others—is a particularly tricky question when considering health care. Kenneth J. Arrow’s seminal 1963 paper on this topic (included in this volume) was one of the first to explore the implication of moral hazard for health care, and Amy Finkelstein—recognized as one of the world’s foremost experts on the topic—here examines this issue in the context of contemporary American health care policy. Drawing on research from both the original RAND Health Insurance Experiment and her own research, including a 2008 Health Insurance Experiment in Oregon, Finkelstein presents compelling evidence that health insurance does indeed affect medical spending and encourages policy solutions that acknowledge and account for this. The volume also features commentaries and insights from other renowned economists, including an introduction by Joseph P. Newhouse that provides context for the discussion, a commentary from Jonathan Gruber that considers provider-side moral hazard, and reflections from Joseph E. Stiglitz and Kenneth J. Arrow. “Reads like a fireside chat among a group of distinguished, articulate health economists.” —Choice
| Author | : Institute of Medicine |
| Publisher | : National Academies Press |
| Total Pages | : 296 |
| Release | : 2002-09-18 |
| Genre | : Medical |
| ISBN | : 0309169054 |
Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well-being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.
| Author | : Michael A. Morrisey |
| Publisher | : Asociation of University Programs in Health Administration/Health Administration Press |
| Total Pages | : 0 |
| Release | : 2020 |
| Genre | : Business & Economics |
| ISBN | : 9781640551602 |
History of Health Insurance in the United States -- The Affordable Care Act -- A Summary of Insurance Coverage -- The Demand for Insurance -- Adverse Selection -- Underwriting and Rate Making -- Risk Adjustment -- Moral Hazard and Prices -- Utilization Management -- Managed Care, Selective Contracting, and the Insurance Industry -- Provider Consolidation, Monopsony Power, and the Managed Care Backlash -- Insurance Market Structure, Conduct, and Performance -- Premium Sensitivity and Health Insurance -- Compensating Differentials -- Taxes and Employer-Sponsored Health Insurance -- Employers as Agents -- Health Savings Accounts and Consumer-Directed Health Plans -- The Small-Group Market -- The Individual Insurance Market -- Health Insurance Regulation -- High-Risk Pools -- An Overview of Medicare -- Retiree Coverage -- Medicaid, Crowd-Out, and Long-Term Care Insurance.
| Author | : Kevin Wacasey |
| Publisher | : Createspace Independent Publishing Platform |
| Total Pages | : 294 |
| Release | : 2017-04 |
| Genre | : Health insurance |
| ISBN | : 9781545465448 |
The health insurance industry has changed. Gone are the days when you paid your premium, and your plan picked up the tab for all your health care. Nowadays the average deductible is over $2,000, which means that you will have to pay for most, if not all of your health care in any given year. Even worse are the dirty marketing tricks used to sell health insurance. You can spend thousands of dollars a year on a policy that you'll most likely never use, or you can spend even more to get a lower deductible that only gives you the illusion of better coverage. In this book physician and licensed health insurance agent Dr. Kevin Wacasey shows you how to save money on health insurance, and health care. First he cuts through the complexity of buying health insurance, by proving that upgraded plans with supposedly better coverage often end up costing more than you could ever save. Next Dr. Wacasey takes the reader along as he shops for a health insurance plan, then using a simple formula to compare ten different scenarios (pulled straight from healthcare.gov), Dr. Wacasey demonstrates that - in all ten cases - the Bronze plan will end up saving the consumer the most money. Both in sickness, and in health. Finally Dr. Wacasey reveals how much health care goods and services really "cost," and offers tips on how patients can save money on everything from ambulances to operations. Individuals, business owners, and anyone else who has to pay for health insurance, or for health care, will find Dr. Wacasey's book invaluable as he shows how to save lots of money - yet receive better care than ever before - in the first consumer-driven health care system the U.S. has ever known.
