Philosophy Case Study
The Ethical Provision of Health Insurance
The current state of healthcare is in crisis. The costs of healthcare are soaring, which has caused many employers to either reduce health insurance benefits for employees or to cease offering insurance coverage to their employees. Middle and lower income workers feel the pressure the most, with many of them opting out of insurance benefits, even when they are offered by employers. Currently, 80% of all uninsured people are working or are the dependents of workers. Many of the working uninsured now rely on publicly funded insurance programs, such as Medicaid, which is rapidly depleting state resources. Despite these facts, the United States has continued to resists efforts to socialize its medical system. The just solution to this dilemma is to offer state-sponsored systems of healthcare, which are not funded or subsidized with public money.
One of the major problems with the current health insurance crisis is that those workers who opt-in to their employer's insurance programs are carrying a double-burden. Not only are they paying for their own insurance benefits, but their tax money is also paying for health insurance workers for those who opt-out of employee sponsored insurance programs, but take advantage of government-subsidized insurance programs. It is not just or equitable to require those persons paying for insurance coverage to subsidize medical care for those who may be earning more money, but who choose not to allocate resources for health care.
Furthermore, given that the actual cost of health insurance premiums is soaring, due to factors outside of the control of most employers, it is not fair to expect employers to continue to pay for the majority of health insurance coverage. With insurance premiums of over $9,000 per family, many employers are faced with the dilemma of reducing wages, reducing insurance coverage, or reducing the number of employees.
State-sponsored insurance...
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