Today many
Americans are concern with health care. This includes individuals that have
health care insurance and those who cannot afford health insurance.
Unfortunately, health care premiums are rising, and coverage is limited. The
care and coverage we are receiving as individuals is poor and it has become a
sensitive topic in our country today. While the Affordable Act was meant to
increase the quality of care individuals receive and to increase the number of
individuals insured, today healthcare is not what it was meant to accomplish.

            Many Americans pay for health
insurance but have high co-pays and high deductibles. This in turn causes many
not to seek medical care. Due to high premiums and deductibles, many Americans
cannot afford health insurance. President Obama said in his preceding, “We
will pass reform that lowers cost, promotes choice, and provides coverage that
every American can count on. And we will do it this year.” President Obama
signed the Affordable Act into law in 2010 to “provide universal access to
healthcare, control the rising cost of healthcare, regulate the private
insurance industry, improve the quality of healthcare, and to make healthcare
choices more consumer friendly and easier to understand.” The Act is meant
to increase the quality of care individuals receive and to increase the number
of individuals insured. It ensures that every American has either a government
or a private insurance. Unfortunately, the goals of the Affordable Act have not
fully taken place and has disappointed many Americans.

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            All individuals should have access
to affordable and high-quality medical care. Most Americans believe that
everyone should have health coverage and no one should be omitted from having health
coverage. Health care should not be mandated, but it should be a right. As
humans, have the right to pursue and obtain healthcare but regretfully, it is
not a right that has been given to us. Individuals should not have to be forced
to have coverage. This is an ethical dilemma because many political parties
believe that individuals should not have the right to choose. David Foster
Wallace talks about such argument in his article, “Consider the Lobster.”
Wallace writes about the ethical dilemma regarding how lobsters should be prepared
and whether it is cruelty to an animal to boil a lobster alive. Wallace’s essay
incorporates decision making regarding several methods individuals can use to
kill a lobster. By using Wallace’s essay as a tool to explore different
methods, an individual can evaluate several options regarding healthcare in
America.

            Currently,
the United States has a “managed care” healthcare system that allows their
citizen to choose private insurance. It is the only wealthy country that does
not offer a universal healthcare system that aims at ensuring that all citizens
obtain health services that they require without having financial suffering and
hardship when paying for these services. Many other civilized countries offer
their citizens medical health care that provides their citizens with medical
care needed at an affordable cost relieving the burden and stress of high
premiums, deductibles, and poor medical care. Germany was the first country
that implemented national healthcare insurance program in the year 1880. Each
of these countries that have either a universal or national healthcare
insurance program have a unique way to accomplish the goal of universal
healthcare. Furthermore, some countries have even banned private healthcare
insurance companies. There are other countries who goal is met through
legislation and regulation of insurance companies. There are many ways to accomplish
universal healthcare that will be beneficial to the medical and financial
well-being of their citizens. As an American, we should have the right to be
insured at an affordable cost. Americans should not have to worry about medical
cost and expenses which increasingly consume a substantial portion of their
income. The burden of already having a disease is already stressful enough. To
add more stress regarding premiums and deductibles to worry about on top of
what is going on in your body, is very stressful and frustrating. The lack of
coverage many of us have, seriously affects the mental health of everyone.
Unfortunately, there is an overwhelming fear and increase in anxiety levels.
Many Americans do not go to the doctors because they cannot afford the medical
care needed. And there are others who have been paying for medical insurance
and when medical treatment is needed, the insurance will not cover the
necessary treatments needed. The high premiums, yearly deductibles, and out of
pocket expenses can ruined a family financially. Decisions should not have to
be made for us because ultimately, the governments and insurance companies
concern is not the people but it’s main concern is making money and huge
profits. The healthcare industry abuses and financial profits from all
Americans. Our health care system is focused on cures rather than on
prevention.

            The complexity of the health care
system and its rapid increase of health care cost and poor insurance coverage
will require significant improvements in our health care system. The health
care reform should be assessed and evaluated. We should develop a system that
is comprehensive, organized, and administered equally between all citizens. It
should provide individuals with a healthcare system that covers medical
necessities to all Americans regardless of income and it should individuals
should be able to obtain coverage in an affordable and workable way. Everyone should be entitled
to proper healthcare regardless of their income status. Coverage should include doctors, treatments, hospitals, long-term and
short-term facilities, dental, and prescriptions, as well as preventative care.
Health care reform should enable Americans to rely on the coverage they have.
It should be affordable and provide high-quality health care without the burden
and stress of high deductibles and co-payments. It should focus on the concerns
of the people whose well-being and health we all seek to improve.