OBAMA'S HEALTH REFORM

Obama's Health Reform

Obama's Health Reform

Introduction

President Barack Obama emphasizes that health care reform will be a key issue during his presidency. In fact, his plan to implement universal health care has already begun by choosing Kathleen Sebelius as the new head of the Department of Health and Human Services.

The concept of universal health care, national health care, or socialized medicine, as it is alternately known, will be initiated in the US as an option for citizens who want an alternative to our current insurance system. Depending on the source of information, universal health care will help bring much-needed health care to the now 47 million without medical insurance, or it will destroy the health care delivery system in the US and take an additional toll in terms of human lives.

Discussion

Through our current medical system, health insurance and the health care delivery system are operating in a free market environment, with the US government exerting influence through mandates and other controls. Some analysts conclude that the interference of the government in the free market operation of the health care system is the primary reason for its current condition, effectively restricting the rights of insurers, physicians, and patients. At the core of this issue is the debate whether obtaining health care is a human right to be administered by government, or a free-market commodity unfettered by government regulation.

It is given that the public adjuster belongs to the insurance industry, and defining the insurance industry it is the one that provides for the safety and guard against financial fatalities consequential of a range of hazards. As a result of purchasing insurance policies, individuals and businesses can get compensation for losses as a result of car accidents, larceny of property, and fire and tempest destruction; health expenses; and shortfall of income as a result of immobilization or bereavement (www.insurancespecialists.com). The insurance business chiefly comprises of insurance carriers, or “insurers,” and insurance sales agents. As a general rule, insurance carriers are big companies that make available insurance and take up the dangers covered by the policy. While the insurance sales agents put up for sale insurance policies for the carriers and effort either for themselves or unswervingly as workers of the insurer. Despite the fact that the preponderance of sales agents are self-governing and are unbound to market policies of a diversity of insurance carriers, others may possibly work solely for one insurance carrier, selling merely that carrier's policies. Some carriers advertise exclusive of agents, by means of the telephone, mail, and more and more by means of Internet.

Thus, the insurance carriers present a diversity of insurance policies. The life insurance policies make available financial security to beneficiaries that are more often than not spouses and reliant children at the time of the bereavement of the insured. Immobility insurance gives income if a person is unable to work, and health insurance make compensation for the expenses consequential of accidents and sickness. Annuities that are the contracts that present a periodic income at regular ...