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Proposal: Healthcare insurance is broken.

Healthcare insurance is broken because in today's society the insurance is outrageously expensive and if you do not have health insurance people must pay out of pocket for anything dealing with health issues.

The Issue

Problem Defined

That healthcare rate should be lowered so more people can afford it and be able to take care of themselves and their families.

Background
Expand all bullets
1.
Overpricing MORE

People can't afford to pay for health insurance.

2.
Union vs. Non UnionMORE

People that work for the union get free health insurance while others that do not work for the union pay crazy amounts for health insurance.

3.
High Deductible RatesMORE

Some people have to still pay high amounts for so many times til health insurance will pay.

4.
Prescription RatesMORE

If a person has health insurance they may still to pay large amounts for there medicine. Some people can't afford to pay for the medicine with insurance.

5.
High Priced ProceduresMORE

When people have to have surgeries their health insurance does not cover the whole bill.

Sources
2.
Time to Act on Health Care Costs

PETER ORSZAG - Time to Act on Health Care Costs (April 1, 2008)

https://issues.org/orszag/

This article covers near-term changes to the consumer and provider sides of health care financing are essential to prevent the nation from being overwhelmed by rapidly rising health care expenditures.

Go deeper
2.
Average Cost Of Health Insurance (2019)

ValuePenguin - (Invalid date)

https://www.valuepenguin.com/average-cost-of-health-insurance

This article is about how health insurance premiums have risen drastically in the past decade. How insurance companies calculate the cost is how many people are on the plan, the ages of the people on the plan, whether each person is a smoker or a non-smoker, and what state you live in. 

3.
HEALTH INSURANCE: PREMIUMS AND INCREASES

National Conference of State Legislatures - HEALTH INSURANCE: PREMIUMS AND INCREASES (December 4, 2018)

http://www.ncsl.org/research/health/health-insurance-premiums.aspx

This article states that just in 2018 alone average annual premiums for employer based family plans rose five percent and then in 2019 they are planning to updated their plans again. 

Authors

We are both interested in health care and care about others needs. 



Megan Bridges
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Diane McMahon
Associate Professor of Sociology - Allegany College of Maryland
I am a sociology professor at Allegany College of Maryland, which is located in Cumberland, MD. I also work as the Faculty Director of the Service Learning and Civic Engagement (SLCE) Center at the college. I have worked in a variety of professions in my past that focuses on helping the homeless. Most recently I was the director of a peace and justice organization in Pittsburgh.

I am a great supporter of the work of TheChisel.com because it helps raise up topics that students and community members can work on together, in a bi-partisan manner, to address.
Jocelyn Wilkins
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The Solution

Proposed Actions
Expand all bullets
1.
Overpricing MORE

Lower the price for health insurance so everyone can afford it. 

2.
Union vs. Non unionMORE

Make the pricing equal or fair to what union workers receive.

3.
High Deductible RatesMORE

Lower the deductible rate for going to appointments a certain amount of times to receive your health insurance help. 

4.
Prescription RatesMORE

Lower the price for prescriptions.

5.
High Priced ProceduresMORE

Lower the prices for common procedures and cancer related treatments.

Expected Results
Expand all bullets
1.
OverpricingMORE

If we lower the price for health insurance people will be able to afford it and take care of themselves.

2.
Prescription RatesMORE

If we lowered pricing for prescriptions more people could get there medicine and keep up with it while some that can't afford it will not buy their medicine and let their health go down hill. 

3.
High Priced ProceduresMORE

If we lowered pricing for procedures a lot of people would not worry about having their surgery done and could live more stress free. 

Budget

The average annual cost of health care for the typical US family of four was over $20,000, and health care costs that year rose at double the rate of inflation. Most people paid the bills as they could, over time. But 16.5 percent took longer than a year to pay them off. Another 8.9 percent just couldn’t pay them at all. Of those who had trouble paying their medical bills, 73 percent skimped on groceries, clothing or rent. Sixty percent used up their savings. More than 40 percent took on extra work to pay the bills. Almost one in four cut back on taking their prescription medications. For example, one person couldn't pay the $1,200 a month for her insulin. She reduced the dose, and her diabetes got worse. About 30 percent postponed getting follow-up care. That leads to further health problems down the road. 

The Conversation

18 days ago
We chose to do the Health insurance problem because, we both are in the healthcare field and see the daily issues of the topic. It is sad to watch people struggle not being able to afford the health insurance in today's society. We would like to see an improvement on the cost of health insurance in the future, so that way our loved ones can receive the health care needs they deserve.

Cast your vote

The Proposal Healthcare insurance is broken. needs your vote by May 1, 2019.
Time remaining: 7 days

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