A certain percentage of the population in the United States are still not covered by medical insurance, despite the best efforts by the government
. There has been a lot of debate on the need of covering the entire population by health insurance and understandably, there have been millions of suggestions and recommendations.
However, despite a commendable record, the fact remains that a substantial portion of the population is still either not insured or under insured. No insurance or under insurance can both be dangerous and have direct and indirect fallouts for the individual as well as the nation. The importance of being medically insured cannot be emphasized enough and it is imperative that the population is completely insured.
What are the reasons that a certain percentage of the population is still either not insured or under insured? The reasons can be plenty and varied.
Reason one: lack of awareness. A certain percentage of population at least are not aware of the benefits of health insurance and the consequences of not having insurance at all. For certain reasons and circumstances, the awareness has not percolated among these sections of people about the importance of medical insurance.
Reason two: Inability to afford the premiums. A certain percentage of the population cannot afford to have medical insurance because they cannot pay the premiums. With the private players stepping into the insurance space, the cost of medical insurance have gone up and probably have gone out of the reach of some.
What can be done to improve the percentage of medical insurance coverage? There are a lot of steps that can be taken to improve the scenario. The following steps can help:
Step one: public sector participation. Increased governmental intervention can improve the insurance coverage. The government will not be governed by profit motive and can take genuine steps to enlist people specifically from sections of the society that cannot afford to pay the premiums for health insurance. This is a big step that Medical insurance USA can take.
Step two: increased awareness among the mass. There needs to be increased spending on various programs that will educate the mass on the benefits of health insurance and the consequences of not having insurance at all. Once the awareness increases, there will be an apparent increase in the public spending on health insurance. This is a big step that Medical insurance USA can take.
Step Three: arranging cheap health insurance for people who cannot pay the premiums for the various health insurance packages.