Health care crisis Essay Example | Topics and Well Written Essays - 750 words

Health care crisis - Essay Example Health insurance is a crucial component in the health care system of Americans for unusual, expensive, and unpredictable events. It poses problems if it is used as a payment method for the everyday health care. Americans have been forced to pay more for health insurance but in return are receiving less. Kaiser Family Foundation (2010) states that, â€Å"American families arent only paying higher deductibles, but higher copayments as well; in 2004, only one in five people with health insurance through an employer had a copayment of more than $25; in 2008, that number was one in three and in 2009, it was nearly one in two.† Many researches and stakeholders argue that the current state of primary health in America care is unfair, corrupt, and devious and thus requires dire need of reformation. Statistics indicate that over 47 million of Americans lack health care insurance because of the high costs involved. For instance, about 2.4 trillion dollars was spent on health care in the year 2008 but it is estimated to rise to 4.3 trillion dollars by 2016. This is said to be four times the National Defense budget. This thus implies that every time the tax rates increase the unemployed people are injured and their medical costs need to be paid. Kaiser Family Foundation (2010) argues that, â€Å"The costs of employer-based health insurance premiums have  risen 114% since 2000; Americans are paying higher deductibles with the average family deductible increasing from $1,034 in 2006 to $1,518 in 2010.† Either the middle income families with individual health care insurance coverage spends about 22% of their household income while middle income families with employer based health insurance coverage spends about 8% of their household income. Thus, many Americans families are going without health care insurance coverage because of the escalating costs, gaps in quality and in access to health care. These rising cost are making innocent