Does Everyone Need Health Care?

A health insurance policy is one that everyone needs. Many of Americans, actually to be more accurate, millions of American's are living without a health insurance policy each and every day. While this may seem like it should be of little concern to those of us who have a health insurance policy in essence it is causing a major financial crisis within the U.S. and here is why.

Not wanting to shoulder the responsibility or worry about individuals without health insurance coverage the majority of Americans seem to be concentrating on their own circumstances and their own coverage. It is estimated for every person living without health insurance coverage, that an additional expense is being handed to anyone who is paying for their own health insurance out of their own pocket in the US.

Living without health insurance doesn't keep anyone from having to seek healthcare at some time, usually sooner than later. These people will make one of two decisions to get help. They either seek out government assistance wherever they can find it for their healthcare needs, or they choose to seek treatment at a local emergency room knowing that they cannot afford the services rendered. Regardless of the choice they make for their medical treatment, payment for these medical services are deferred by patients who are actually paying for their medical care.

These factors will produce results in the form of higher taxes that fund government medical assistance programs like SCHIP and Medicaid, also it will show up in the higher priced insurance premiums and a general overall increased costs across the board in all areas of the medical industry. To really grasp the scope of this impending crisis, one must think of healthcare issues on a grander scale, this is because if you are fortunate enough to be paying a monthly health insurance premium you most likely are paying their way also.

The most feasible answer that many people believe will solve this impending disaster is to institute a health insurance plan with a scope broad enough to allow each individual to pay into the system that will make health care available for everyone. This new view of the healthcare landscape will not only provide affordable healthcare but will also hold each individual to some predetermined level of self responsibility concerning their own health and their own care. This will eliminate many of the variables that have stopped healthcare from becoming affordable to the majority of the population.