Healthcare in U.S.

Healthcare in U.S.

Healthcare in U.S.

The status of healthcare reform in the United States:

The health system of the United States includes all people and all government and private organizations and institutions devoted to the promotion and maintenance of health, and the prevention and treatment of diseases and injuries. It also includes all regulations relating to the relationship between health insurance, insurance, care providers and other involved groups. The relevant rules treat the health insurance coverage of the population basically as a private matter, a universal health insurance is not provided. A national health care is for residents who are younger than 65 years, only in exceptional cases. 45.7mn or 15.3% of the 300 million inhabitants are neither private health insurance nor can they require government assistance. In medical emergencies, hospitals are under the Emergency Medical Treatment and Labor Act (EMTALA) required by law, uninsured or inadequately insured patients, even in the emergency room to treat if it is foreseeable that they cannot pay the bill. For health problems that do not reach (yet) the level of a medical emergency, such patients may also be dismissed (Rothgang, 2010).

The recent reform of health systems in the United States approved in March 2010 marks a watershed in the area of health care services to a segment of the population without health insurance, estimated at 32 million people by 2019 and regulating the health insurance industry to prevent restrictive practices in the provision of insurance policies.

In essence, the reform makes it mandatory to be covered by health insurance or face monetary penalties (2014) offers grants to pay insurance premiums for individuals and families with incomes up to four times the poverty level established; expands the Medicaid program approximately 16 million low-income people with incomes up to 133% of the federal poverty level for 2019, based on the payment on the purchase of medicines in the public Medicare program for eldercare once exceeded the annual limit established (2011), extending the health insurance coverage of parents to financially dependent adult children up to age 26 or acquire independent insurance at a lower cost (2010), companies with more than 50 workers will be required to provide health insurance to their employees or pay a penalty (2014). In 2010, small businesses will receive tax credits on the purchase of health insurance for their employees (Rite, 2011).

Small businesses, the self-employed who work on their own, and the uninsured from 2014 may purchase health insurance through the state insurance exchanges called, which offer group insurance under the same conditions and benefits negotiated by large companies, and may be appropriate candidates to receive subsidies to purchase insurance. Through these exchanges state individuals or companies will have the option of joining national plans overseen nonprofit federally serving federal employees or members of Congress.

In 2010, insurance companies are prohibited establish maximum economic coverage policies; deny insurance to children with pre-existing conditions or cancel the insurance when a person gets sick. From 2011 insurance companies must spend at least 80% of their ...