POLICY RECOMMENDATION MEMO

Policy Recommendation Memo

Policy Recommendation Memo

Memorandum

To:

From:

Date:

Subject: Evaluation of individual health insurance in America.

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Purpose

The purpose of this memorandum is to describe the current health policy debate, identify the key issue under consideration, describe the support and opposition for the measure, and make a recommendation as to how this issue should proceed.

The purpose of this memorandum is to evaluate the individual health insurance in America. But first we need to know the health insurance system of U.S.

The U.S. Health Insurance System

The health insurance system in the U.S. is certainly not the best, but benefits for workers. It is cheap and of good quality. The American health care system based on voluntary, employer-paid insurance protection. Insurance is tied to the workplace. Organization of health insurance is characterized by a very wide range of insurance programs.

Nevertheless, the vast majority of people enjoy medical insurance. Those who do not, have to pay for all medical services. About 15% of the population (which is almost 37 million Americans) are not insured against illness and therefore have very limited access to health care. And nearly 60 million Americans are covered only partially. People, whose health is at high risk of disease, often are generally considered uninsurable. All this leads to the fact that life expectancy, Americans are only 16, and on child mortality by 28 places in the world. Naturally, the Americans are dissatisfied with their health insurance.

However, the situation is slowly changing. Recently enacted laws are requiring employers to include in the program of private medical services, such as childbirth, substance abuse treatment, and others. In this case, virtually all the characteristics of private medical services were not affected. Government intervention is limited to the tax regulation and the creation of legislation governing the basic principles of work: a compulsory license for a doctor, his rights and obligations, etc.

Insurance, funded by the government is granted only to U.S. residents who receive less than the certain amount per year established by the government. In fact, America's population is insured by private companies such as population, which does not include the group most at risk: the poor and the elderly - and that about 30% of the population. Meanwhile, up to 80% of health spending in America accounts for older age groups.

With fear of losing their jobs and stay without health insurance, from a serious illness, more than 90% of Americans need radical reform. Current health insurance system provides the introduction of compulsory elements and bounds the medical service providers to ensure health care services. However, not everyone agrees to this health care insurance reform. It is not more than a proposal to modify the existing system by requiring all companies to introduce themselves in a group health insurance. In this case, the company converted to a specific contribution to the state insurance fund, from which we can fund health insurance for all, including those not covered by private insurance system.

Until now, a lot of controversy raises the question of contributions for ...