Uninsured |
Healthcare
The Uninsured in the United States
According to Newport and Mendez (2009) about 17.3% of the American population does not have health insurance. The uninsured are seen in families that work. Studies show that 51% of the families have a working household head that are employed full-time and worked for a full year. These uninsured groups work in firms where insurance coverage is not available, dependant coverage is not available, insurance coverage is not available or employees coverage may be paid yet dependant coverage is too expensive (Newport & Mendes, 2009). Or, the case could be that these uninsured work in a firm which has very little employees. Small firms, which have around 3-9 employees, are seen to least likely offer insurance coverage. There are many issues when it comes to purchasing insurance for small firms. Small firm employers cannot afford comprehensive health coverage for their employees (Newport & Mendes, 2009). For those who do provide health coverage, they can only manage to pay for their employees and not their dependents. If this were the case, employees would be seen paying higher out-of-the-pocket costs for coverage and co-payments. There are no alternatives which are low-cost for dependent coverage. Most of the uninsured in the United States are those from low-income families. Surveys show that 26% of these families live below the poverty guidelines; 41% of these families earn between 100% to 250% of the Federal Poverty Level (FPL) Guidelines. All ethnic groups from the United States...
("Qualitative research...," 2008, Sampling Issues section) Groenwald (2004) also stresses that in regard to the phenomenon the researcher identifies/describes, the unique or minority voices serve as vital counterpoints to relate. Data Collection Method To complement the proposed study's literature review, the researcher plans to interview a minimum of 10 professional individuals who regularly work with underinsured and/or uninsured youth. The researcher notes three types of interviews" a) the unstructured interview, which constitutes
Another factor, which increases the number of working uninsured, is the increase of healthcare costs. According to the Kaiser Family Foundation, employees costs have risen by 47% and employers have seen a 20% increase. The employee's higher percentage can be attributed to the fact that employers are shifting some of the increased costs to the employee through higher deductibles and increase co-payments. The U.S. government, at both the state and
Uninsured Population Healthcare The health of a population is not only based on the strength of its health care professionals and diagnostic capabilities -- to a great extent, the health of a population is shaped by factors that exist outside of its health care system, this includes the health and well-being of the underinsured (Wakefield, 2010). Community health and its development require strong support networks and supportive social environments, education and
Uninsured on San Francisco Development of Community Health Support Services San Francisco has one of the most extensive and successful health support systems for uninsured individuals in any major metropolitan area in the United Stats, and though budgetary concerns are a constant issue for this system and its constituent organizations the increasing numbers of uninsured individuals will likely not cause a major burden to these organizations in the near future (SFFC
And any reform process will produce some initial pain: the voting "middle class may be dissatisfied but most of them have employer insurance, so they have something to lose...They are not prepared for a national experiment that will threaten what they have" (Arnst 2007:1). Currently, none of the Republican candidates have issued detailed plans. Hillary Clinton has put forth a proposal requiring all Americans to have health insurance, through their
San Insurance The Uninsured of San Francisco San Francisco is the only major metropolis in the United States that provides some level of healthcare to all of its citizens, with services designed specifically for those who are uninsured or underinsured and mandated by city law (SFFC 2010; Romney 2006). The uninsured in San Francisco match the general demographics of uninsured people throughout California -- they are largely unemployed; often female; tending to
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