What is health care ??

Health care is defined as the “orderly” implementation of medical services, which is accomplished by a coordinated effort of health agencies, primary health providers, and the public. In simple terms, health care is provided to patients when they need it by qualified professionals. Health care delivery is a process through which health issues are addressed.

health care

Primary health care is the most important element of health care; this is where the majority of health problems occur, such as general illness, surgery, accidents, and emergency treatment. Health care delivery addresses these issues and more.
In an attempt to reduce out-of-pocket expenses, various organizations have adopted a free health care policy for their employees. The idea is that if they choose their own physicians, doctors, hospitals and other health services, they can avoid the hefty fees that may otherwise be incurred. The thought of having to pay deductibles, co-pays, coinsurance, and ancillary charges can send many people into a panic.

The fear of being bankrupt from an unexpected illness or injury often prevents them from freely making choices regarding their health. It is no wonder that nearly half of the American population lacks adequate health insurance coverage.
The first major step toward implementing a sound health insurance policy is to calculate the cost of health coverage. There are three basic ways to do this, deductibles, coinsurance and underlying costs. The purpose of deductibles is to cover the expense of emergency care, while coinsurance helps to defray the cost of office visits.

Many people opt for an underlying cost approach in order to keep their health insurance premiums low. For example, a family with two working parents can obtain health insurance coverage that pays 80% of the cost of a doctor’s visit. However, this type of approach may not provide enough funds to cover the other types of necessary health care needs.
To make matters worse, many politicians are more interested in scoring political points than in addressing health care spending burdens. Unfortunately, politicians are more interested in scoring political points than in providing a sound health care policy solution.

One such politician, Mr. John McCain (R) of Arizona, introduced legislation that would have provided guaranteed affordable health care to individuals who did not have access to health care through their employer. Unfortunately, his plan did not include any mention of underlying costs. In fact, he proposed only two options: (a) giving every individual access to an inexpensive private plan offered by employers; or (b) requiring all individuals who receive assistance under Medicare to enroll in a government managed program.

Unfortunately, neither option is optimal.
Some argue that it is better to pay less for health insurance services, but the reality is quite different. Employers paying a portion of the employees’ health premiums is not always the best solution because employers are rarely willing to subsidize an entire health care plan. In addition, it is not easy to determine whether or not your employer pays enough of an adequate health care premium to cover the costs of any particular health care service.

Moreover, many employers offer their employees other forms of insurance, such as worker’s compensation or group insurance, which may not be an adequate substitute for the more comprehensive benefits provided by employer-sponsored health care policies. And finally, even if an employer does pay some portion of the employees’ health care premiums, the majority of employers have strict limits on the types of health care services provided to their employees.

In short, most employers do not adequately address health care spending burdens.
Some argue that addressing health care spending should start with reducing the number of uninsured persons. However, another facet of this debate is the impact that reducing the number of uninsured persons has on overall health insurance premiums.

While reducing the uninsured may reduce overall health insurance premiums slightly, the additional costs that result from increasing the number of uninsured will be quickly passed on to consumers, further lowering the cost-effective of health insurance.


One way to get around this problem is to institute Health Savings Plans (HSPs), which is tax-qualified, long-term health care coverage plans. Health Savings Plans is more affordable compared to Health Care Policy, even when compared to deductibles and coinsurance. Also, they are less intrusive in terms of choice of physicians and hospitals, allowing people to get coverage when and where they need it most. Finally, unlike Health Care Policies,

HSPs do not expire once you’ve purchased them.
Another alternative available to health care services for patients is the Effectuated Use Tax Credit (EUTC). The EUTC allows people to deduct the portion of premiums they pay out-of-pocket for health care services related to qualified long-term disabilities. Unfortunately, the federal government has recently announced a series of significant cuts to the EUTC, which could make the credit obsolete in five years. But, according to Health Care Services Research, “current projections suggest that there’s still sufficient funding to keep the credit sustainable through at least the next five years.”

If you are unemployed, self-employed, or have a low income, there are several options to explore to help find health insurance that you can afford.

By carefully reviewing different options and seeing what you are eligible for, some of these can offer you a better deal on your health costs than others. Here is a list of 11 common places that a person may look to get low-cost health insurance if you are not working, have low income, work reduced hours, or only part-time.

Where to Get Low-Cost Health Insurance

Most low-cost health insurance options have eligibility requirements, but reading through the list will help you understand which ones are available to you. If you feel like you are eligible for Medicare or Medicaid you can also contact your State Health Insurance Assistance Program to help understand what they offer.

Medicare

Medicare is provided by the government and administered by the Social Security Administration. If you are 65 or older, you could qualify for Medicare. You may also qualify if you are under 65 and getting Social Security disability benefits or have certain diseases

Examples of Problems With Short-Term Health Insurance Plans:

  • They do not usually cover pre-existing medical conditions
  • They do not meet the requirements of covering the minimum essential coverage of the ACA
  • Short-Term health plans do not renew; after the term, you must re-apply for coverage again
  • Short-term health plans do not allow you to receive a subsidy or tax credits as the ACA plans do
  • Short-term health plans do not cover maternity care
  • Many short-term health plans do not cover drug treatment or prescription drugs11
  • Short-Term health insurance plans are meant as a temporary solution when you can not find other major health care coverage or do not want major health coverage. Whenever possible it is better to find a long-term plan that meets the criteria of the ACA so that you do not have to keep worrying about finding temporary solutions