The health insurance scene is fraught with problems and the number of uninsured Kentuckians is rising. Going without health insurance is a big mistake, so find an affordable plan before it’s too late
There’s one thing everybody agrees on – America has a healthcare
crisis. As for how to deal with it, opinions are divided. A new Gallup
poll revealed that 47 percent of Americans want the health care law
repealed and 42 percent want it to stay. Whether the law is repealed or
retained, it’s risky to go without health insurance. If you live in
Kentucky, make sure you find an affordable Kentucky health insurance
plan before it’s too late.
Rising Proportion of Uninsured
Census Bureau announced in September that number of people without
health insurance coverage rose from 49.0 million in 2009 to 49.9 million
in 2010, though the national average of 16.3 percent was the same for
both years. A recent Gallup poll measuring the extent of the uninsured
in the third quarter also shows 17.3 percent of the population did not
have health insurance, a rate that is the highest on record. Gallup
found that the percentage of Americans who are uninsured is rising in
2011 after remaining “fairly steady’ in 2010.
The new census
data puts the number of uninsured Kentuckians in 2010 at 640,000, which
is 14.9% of the state’s population. Over the past decade, 131,000 people
have joined the ranks of the uninsured in Kentucky. Further, according
to the census report, 56.6% of Kentuckians had employer-sponsored health
insurance in 2010, compared to the national average of 55.3 percent.
Over the past decade, the number of Kentuckians with employer-based
coverage declined by more than 170,000.
One of the major health care issues that the
nation is facing relates to the rising cost of health care. Increase in
the spending on new technology and prescription drugs, the demands
placed on the health care system by the higher incidence of chronic
diseases, an aging population and rise in administrative costs are some
of the factors responsible for the rise in health care spending.
Kentucky, as in may other states, more and more employers are passing
on a larger proportion of the cost of health care to employees. Some
small businesses do not provide their employees with health insurance.
Over the past few years, millions – both individuals and companies –
have filed for bankruptcy due to rising health care cost.
Affordable Health Insurance is Important
scenario, nothing can be more risky than going without health insurance.
Whether you live in Kentucky or any other U.S. state, you have an
extensive choice when it comes to private health insurance. Kentucky health
insurance companies vie with each other to offer a
multitude of health insurance policies for individuals, families and
businesses, all with varying deductibles. However, it’s usually not easy
to read the fine print and understand your options. So the best way to
find an affordable KY health insurance
plan is to contact a licensed health insurance broker, explain your
requirements and benefit from professional guidance.
As for the
future of health care in America, the effort should be to build a
system that makes health care easy to access and affordable for all.