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Healthcare Reform In United States - Essay Example

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The writer of the present essay intends to discuss the Key Elements of the 2010 Reform in the United States Healthcare reform. Furthermore, the paper will conduct an analysis in order to investigate as the positive sides of the reform as well as the negative ones…
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Healthcare Reform In United States
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Healthcare Reform In United States

Health care reform is a term used to describe major health policy changes regarding healthcare delivery and the insurance associated with delivery in a given place. The health care system in the United States is made of a mixture of private and public sectors and is the most expensive in the world with $7,290 spent per person on health care cost (Centre for Medicare and Medicaid Services). According to a study conducted by the World Health Organization, the U.S. health care system ranked 37th in overall performance and 72nd in overall level of health among 191 nations reviewed in the study. Again, nearly 19% of the population (30 million) in United States was without health insurance coverage in 2010 (Congressional Budget Office). A recent study also revealed that in U.S., more than 44,800 excess deaths occur annually that can be associated with lack of insurance (Wilper et. al). These were the driving factors that led to the change in the U.S. health care reform. U.S. 2010 Health care reform tries to achieve the following goals:• Expand the population that receives health care coverage through public sector insurance programs or private sector insurance companies. This is to ensure that more people within the country receive health care services. • Expand the range of health care providers that consumers can choose from• Improve access to health care specialists• Improve the overall quality of health care services• Provide more health care services to the citizens of the country...
al). These were the driving factors that led to the change in the U.S. health care reform. U.S. 2010 Health care reform tries to achieve the following goals: Expand the population that receives health care coverage through public sector insurance programs or private sector insurance companies. This is to ensure that more people within the country receive health care services. Expand the range of health care providers that consumers can choose from Improve access to health care specialists Improve the overall quality of health care services Provide more health care services to the citizens of the country Decrease the overall cost of health care services Key Elements of the 2010 Reform The new health care reform in the United States is estimated to reduce the number of uninsured in the country from 19% in 2010 to 8% by 2016 (International Insurance News). The provisions made in the legislation will take effect by 2014. Following are some of the key highlights of the health care reform: Extend coverage through insurance mandate The new legislation provides subsidies in insurance premiums and tax credits up to 35% of premiums for businesses to provide health care benefits. Those people who are not covered under Medicare or employer sponsored insurance will receive assistance through direct subsidies to purchase insurance through a new on-line exchange, an internet state run market place. This will also improve price competition between insurers. Guaranteed issue and individual mandate: Unlike in the previous years, starting in 2014, insurers will not be allowed to deny coverage to sicker applicants or impose higher premiums, cost sharing, black-out periods or cancel policies for minor errors in insurance ... Read More
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