Does Anyone Really Need Health Insurance

March 2019

We have all heard the numbers by now; million people in this country are uninsured. This is a disturbing number, but it’s important to understand who these people are and why they are uninsured. Medicare and Medicaid are government programs that have been set up to take care of many of these people, but not all of them. Government programs take money from the taxpayers and use it to cover the uninsured, but the more government intervenes; the more expensive healthcare gets for all of us.

The government tells healthcare providers what they can legally charge someone on Medicare and Medicaid, but it’s not enough to cover operating costs for the hospitals and doctors so they have to overcharge the people with private insurance to cover the difference. This makes healthcare more expensive for the people who are paying and less affordable Medical Insurance Cambodia for lower income families who then have to start relying on the government as well. There are a little over million people in the United States and in of us doesn’t have any health insurance at all because the cost keeps going up to cover those who can’t pay.

People who are to years old make up about half of the uninsured. Simply put, they believe they are invincible and really don’t see much of a need for health insurance. They rarely to never need to see a doctor so if they don’t get health insurance from their employer, they won’t buy it themselves at any price. The people I know from this age group that do need to see a doctor quickly realize that if they are in a lower income bracket, the government will take care of them, so why buy health insurance The to age group is the backbone of our healthcare system and this is where all the money comes from.

These people are in moderate health and they are in the prime money making years of their lives. The other half of the uninsured are from this group; million of them are uninsured and another million of their children. If we are to fix the healthcare system and bring down costs, this is where we need to start. Low income families are covered by Medicaid but these million families make a little too much, don’t have health through their employers and can’t afford to get insurance.

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