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However, studies show that the percentage of Americans covered under such Insurance has declined significantly in three years, and it hit a new low with only 44.5 per cent of people covered by under this scheme (USNews, 2011). Thus, due to a steady decline in employment (Bloomberg, 2011), along with various other factors the number of people covered under health insurance has declined simultaneously, rendering access to healthcare limited to a certain section of population. Furthermore, health care costs have risen considerably over the years. Such rise in healthcare costs can be attributed to several factors such as technological developments, rise in cost of prescription drugs, rise in chronic illnesses, ageing of the population, rise in administrative costs, rise in charges by healthcare providers, inflation etc. The healthcare costs in the U.S. have currently exceeded 17% of the total GDP and continue to rise (HBR, 2011). ...
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Evolution of the problem The problem is faced on account of three basic reasons. These include: a.) Rising number of uninsured and underinsured people b.) Rising healthcare costs and c.) Differential access to healthcare with regard to people of color Causes for lack of access to healthcare: Insurance coverage is a strong indicator of access to primary healthcare services (Shi & Singh, 2011), and the probability of having an insurance coverage in turn is dependent on several factors such as employment status of the individual, their incomes, educational backgrounds, age group, race and ethnicity, immigration status etc (Stanfield et al., 2011)…
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