Public Health Insurance Plan

PublicHealth Insurance Plan

TheUnited States has over 36 million citizens that have no healthinsurance. Subsequently, the federal government strives to developplans that can help to offer the uninsured individuals high-qualityhealth policies at an affordable cost. The recent Health Care Actreform in both the Senate and the House of Representatives targets toaccomplish the objective through diverse means. For example, itprovides of fair opportunities to purchase private health insuranceprograms, reduction of the cost of the public health insurance planthrough grants offered by the federal government, as well asregistration with public health insurance policies that are alsoavailable at other insurance exchanges. Furthermore, the federalgovernment has also expanded the Medicaid program so that it canaccommodate more people.

AffordableHealth Care for America Act (HR 3962) goals &amp stakeholders

Theprimary objective of the Obamacare is to provide health insurancecover to millions of low income Americans that cannot afford thepresent plans. The major benefit of the act is that it prohibitshealth insurance companies from declining health coverage to patientssuffering from pre-existing conditions. Second, it advocates thatcustomers with preexisting conditions that with existing healthcondition to pay equal premiums to the healthy individuals. Third,over 50% of the uninsured Americans will be able to access theservices conveniently (National Center for Health Statistics, U.S.Census Bureau, 2014).

Theprimary stakeholder is the federal government and the low-incomeearners. The government responsible to provide the states that hasadopted the policy with the deficit they would incur aftersubsidizing the cost of the policies.

Alternativesand evaluation criteria

Otherthan the Obamacare health insurance plan, the United States has otherprograms intended to subsidize health policies. The plans include theMedicAid, which is a subsidized health policy. Second, the Medicareplan provides health care assistance to people above 65 years.Moreover, the disabled people are also eligible to the Medicare plan.Third, employer sponsored health policy plans are also major optionsfor individuals that are recruiting professionals. Finally, theprivate insurers also compete for the stable customers who can affordto pay the premium charge they require to provide health coverpolicies at an affordable cost.

Supportingdata

Percentage(and standard error) of individuals with no health insurance coverageat the time of interview, by age group, race/ethnicity (among personsaged 18 – 64), and survey data source: United States, January–April2014 (NationalCenter for Health Statistics, U.S. Census Bureau, 2014).

Selected characteristic

Age (years)

National Health Interview Survey,

January –March 2014

Current Population Survey,February–April 2014

Difference (percentage points)

All ages

13.1 (0.41)

13.8 (0.14)

Under 65

15.2 (0.47)

15.8 (0.16)

–0.6

Under 18

6.6 (0.55)

8.5 (0.21)

–1.9*

18–64

18.4 (0.55)

18.5 (0.19)

–0.1

18–24

18.9 (1.10)

21.3 (0.55)

–2.4

19–25

20.9 (1.12)

23.0 (0.53)

–2.1

25–34

24.9 (0.99)

23.8 (0.42)

1.1

35 – 44

20.3 (0.97)

19.1 (0.39)

1.2

45–64

14.0 (0.63)

14.5 (0.24)

–0.5

65 and over

0.9 (0.19)

1.7 (0.15)

–0.8*

Race/ethnicity (Aged 18 –64)

Hispanic or Latino

35.7 (1.43)

33.2 (0.53)

2.5

White, single race

13.5 (0.58)

14.1 (0.27)

–0.6

Black, single race

20.2 (1.16)

21.3 (0.58)

–1.1

Recommendation&amp implementation approach

TheAffordable Healthcare Act is a valuable policy since it aimed atrestoring sanity in the healthcare industry. Some of therecommendations that it introduces include:

1.Prevents health insurance organizations from declining patientscoverage because of their existing medical status

2.Restricts insurers from adjusting rates depending on the gender ornew medical conditions

3.Ban insurance companies from exempting from anti-trust laws

4.Emphasize that employers are supposed to take medical health policyfor their staff

5.The poor Americans receive subsidies to enable them purchase healthpolicies

6.Extension of Medicaid to accommodate additional low-income employees

Reference

NationalCenter for Health Statistics, U.S. Census Bureau. (2014). Comparisonof the Prevalence of Uninsured Persons from the National HealthInterview Survey and the CurrentPopulation Survey. Web.Retrieved on April 28, 2015 fromhttp://www.cdc.gov/nchs/data/nhis/health_insurance/NCHS_CPS_Comparison092014.pdf