Health Care Is Not Easily Understood

It seems to be obvious that having an accident or a health issue is covered as long

as you have health insurance, but you need to think about that again because having health insurance is not always a guarantee. Having health insurance is a definite necessity and cannot be ignored because if you do not have it your entire family can be at risk and the only way to really understand the importance of health insurance is to understand why it is so important to you as well as your family.

You do not have to be a history buff to understand the meaning of health insurance, but a little bit of American history might come in hind. Back in World War II, the federal government made health insurance possible because it didn't want American solders to be without it. There was a freeze on all businesses to stop them from increasing salaries, so there was a plan to implement health insurance, the first ever in the United States. It helped the people who stayed away from the fighting and worked beyond the lines but it also gave employers the incentive to offer their workers a reason to remain at their jobs with no out of pocket expense. This was considered to be a benefit to the employees and a very cherished one.

It marked the beginning of employers paying for health insurance for their workers and more and more companies started offering these benefits. Once the soldiers came back from the war, companies continued to offer the benefits and the workers in America started to expect the insurance benefits. Things seemed to be fine until many changes started in the 1980s, long after health care benefits were first enacted.

Once the 1980s and the new regulations came around health insurance costs began to boom as malpractice insurance became a major issue and the number of lawsuits began to rise and more lawyers started to get their fingers into every issue possible. The health care industry immediately changed and most of the health insurance companies became more interested in covering themselves than insuring their own clients.

It is easy to see why so many people are struggling to stay afloat without adequate health care because the entire system is so complicated, but there are likely to be many changes along the way and most Americans agree that a national health care play is needed, but no one knows the best way to put it into play.

by: Ethan Kalvin

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