Affordable Health Insurance The Need for State Participation in Health Care Insurance Exchanges to Provide for Affordable Health Care for Millions of Americans in Need

In the United States, we have basic rights to life and liberty. Yet, many major health care companies are infringing on those rights because they are exploiting health care insurance rates, which has left millions of Americans either underinsured or not insured all together. This puts their lives directly at risk with limited access to essential care. In order to best provide for their uninsured or underinsured citizens, states need to work with the regulations of the Affordable Care Act and open up exchanges to provide for affordable health insurance to the millions of Americans who are currently in need under the ineffective system that is operating today.

In the current situation, there is a lack of affordable health insurance options.

Moreover, health insurance companies have been allowed to abuse their power over their customers. Many deny coverage to those in need because of a pre-existing condition,...

There have even been reports of health care insurance encouraging physicians to do unnecessary procedures and tests so that overall the average co pay rises for patients. This is clearly a breech in trust, and illustrates how many health care insurance companies are taking advantage of vulnerable patient populations for profit.
This has left millions uninsured or underinsured, which leaves them open to incurring massive amounts of medical debt and limited access to appropriate care.

In 2007, there were over 47 million Americans without health insurance, and millions more who were underinsured (Paddock, 2007). This number was steadily increasing until very recently. Without the states helping, there was simply no way for all Americans to get the insurance they need at such high prices.

States need to begin building the affordable insurance exchanges, as provided for in the Affordable Care Act, in order to better provide appropriate levels of healthcare to the majority of Americans who need it at more affordable premiums. The Affordable Care Act puts in place measures that provide for states to offer exchanges. This is one of the most usable and beneficial measures found within the act itself because it allows for…