In America, healthcare is inaccessible due to how expensive healthcare is, which leads a person to get health insurance. There are healthcare disparities among race/identity, financial status, age, location, sex, disability status, and sexual orientation. It is more important now than ever to address these healthcare concerns as the population continues to increase and become more diversified. This article, written by Archi Das Gupta, explores the various disparities when it comes to health insurance. In America, healthcare is inaccessible due to how expensive healthcare is, which leads a person to get health insurance. This type of insurance reimburses the insured who need medical treatment. But to gain health insurance, there are multiple factors you would have to meet and you would also have to choose a certain type of health insurance. Public health insurance is provided through the government while private health insurance is provided by employers. The four common types of Health insurance are PPO Health Insurance Plan, HMO Health Insurance Plan, HSA-Qualified Health Insurance Plans, and Indemnity Health Insurance Plans. But these are just the categories you can choose if you want to further specify your plan. Preferred Provider Organization (PPO) is the more prevalent healthcare people often have. This is where the insured gets treatment from medical facilities or doctors that the company prefers. Whereas with, Health Maintenance Organization, you are required to choose from their network of doctors, if you need a referral you would get someone from inside their network of doctors. Health Savings Account is another type of health insurance where it's a PPO plan but in the form of a bank account. This allows the participants to save their money to better prepare for the future of their health, so they don’t have to worry about the monetary expenses of their medical treatments. Indemnity Health Care plans enable their participants to choose any doctor or hospital and then the insurance company they have pays for a set portion of the expenses. Oftentimes the individuals are required to pay some expenses upfront which then can be reimbursed by their insurance company if they apply to be. There are healthcare disparities among race/identity, financial status, age, location, sex, disability status, and sexual orientation-- and these healthcare disparities additionally affect the quality of care and may impose unnecessary costs among more individuals. It is more important now than ever to address these healthcare concerns as the population continues to increase and become more diversified.Hispanics are one of the major racial groups being affected by the lack of healthcare as they are projected to double their population by 2050. In 2018, it was revealed that Hispanics are 19 % more likely to be uninsured than white people (7.5%). For Asian Americans, another population quickly growing, 19.4% of Asian adults compared to 12.9% of whites report being without a usual source of health care. There are many healthcare barriers such as the high cost of care, insufficiency, or lack thereof insurance coverage. Additionally the lack of availability of services and the lack of culturally satisfactory care. And these barriers directly lead to unmet health needs, impediments in obtaining proper care, incapability to get precautionary services, monetary difficulties, preventable hospitalizations. The only way we can combat these health care disparities is by making healthcare more accessible and affordable through reforms and laws. To make sure these reforms and laws battling health insurance disparities go through, you should contact local lawmakers and talk to them about it. The current status of disparities includes the Affordable Care Act which leads to larger coverage gains but some groups remain at a high risk to be uninsured. Blacks continued to be 1.5 times predisposed to be uninsured than Whites within 2010 and 2018, and the Hispanic uninsured rate persisted over 2.5 times greater than the rate for White people. Citizenship status plays an important role in being insured because noncitizens are more likely to be uninsured than citizens. In 2018, 76% of the approximate 28 million nonelderly were uninsured were citizens yet among the nonelderly populace, 23% of legally existing immigrants and more than four of every ten (45%) undocumented citizens were uninsured contrasted with short of what one out of ten (9%) residents. In addition, among citizen children, those with at any rate one non-resident parent are bound to be uninsured contrasted with those with resident guardians (8% versus 4%). 70% of the nonelderly uninsured by citizenship in 2018 were US-born citizens, while 24% were non-citizens and naturalized citizens accounted for 6%. Works Cited:
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Welcome to our blog, Medquity!Here we will post extra articles on health disparities to display the profound health inequities in our healthcare system. These are updated every other weekend, so check back regularly! Archives
July 2021
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