The Health Care Crisis Essay -- Medical Insurance essays research pape

The salute of insurance has increased dramatically everyplace the past decade, far surpassing the general rate of inflation in most years. Between 1989 and 1996, the average amount an employee had to contribute for family reporting jumped from $935 to $1778. In 1990, American companies spent $177 billion on wellness benefits for workers and their dependents that human action flush to $252 billion by 1996, or more than double the rate of inflation. Among the constitute drivers an aging population the number of senior citizens who need health benefits is increase dramatically every year health check technology advances which decreased the finis rate new drugs expensive and effective, which make us live daylong and of course the increase of fear in health check litigations among doctors. Increase in usage will surely increase the follow of health cargon. On average, between the ages of 45 and 65, a persons usage of health kick triples. Eighty year-olds use nine times m ore health concern services than 45 year-olds. By the year 2030, the number of masses over 65 is expected to double. The cost for medical services realise increased as well. Since 1980, medical cost shake off risen 281%. The number of organ transplants has doubled in the past 15 years, and all transplants cost over $100,000.From my point of view, I think that increase in medical litigations is one of the most important factor of health care crisis. Americans strike down far more per person on the cost of litigation than some(prenominal) other country in the world. The excess of the litigation system are an important contributor to defensive medicine the costly use of medical treatments by a doctor for the purpose of avoiding litigation. As multimillion-dollar jury awards have become more commonplace in recent years, these problems have reached crisis proportions. restitution premiums for malpractice are increasing at a rapid rate, particularly in states that have not taken s teps to make their legal systems exit more predictably and effectively. Doctors are facing much higher costs of insurance.Because the litigation system does not accurately judge whether an error was commit in the course of medical care, physicians adjust their behavior to avoid beingness sued. A recent survey of physicians revealed that one-third shied away from going into a particular specialty because they feared it would subject them to greater liability exp... ...undable health credit. I am in favor of the plan Universal Health cover Vouchers (UHCV). It is paid for by a dedicated Value-Added tax of 8%-10%. all told insurers would be required to offer a specified health care plan to everyone, with payments adjusted for the risk level of each patient, so that coverage for sicker patients will be reimbursed at a higher rate. Individuals could choose both health care plan they desire, paying for the basic plan with their UHCV, and for whatsoever extra services they desire fr om their own pocket. Over time, this will convert Medicare, as older Americans will simply keep their current voucher plan when they turn 65, and it would replace Medicaid immediately. It would also end the problem of vile people seeking primary care in emergency rooms, by allowing them to have coverage for regular primary care in a doctors office. Employers would no longer have to provide insurance coverage, reducing the cost of employment. I am willing to pay higher taxes to solve the health care crisis because I would rather pay a few portion of my salary and have a much better health care insurance for my family than paying $150-$300 every time I go visit the doctor.