Essay on The Role of Government in the U.S. Health Care System
High Deductibles Impacting Healthcare Delivery
Many patients face the burden of deciding whether or not to seek healthcare due to high deductibles on their insurance plan. It’s truly unfortunate that when people actually have insurance, they are unable to afford to use it. While health insurance premiums are affordable for most people, the high-deductibles are not (Pear, 2015, p. A22). Although the Affordable Health Care Act dramatically reduced the population of uninsured individuals, it did not solve the high cost of health care for many Americans. Simply put, patients with high-deductible plans often do not seek treatment when they need it, or if they do, are unable to pay for some or all of their bill. In addition, patients with high deductible plans may be treated differently in the health care setting. According to Kutscher (2015), “High-deductible plans are changing the way health systems interact with their patients, from where they get care to how they're presented with their bills” (para 1). The article written by Kutscher has solidified my stance on believing the government should address the issue of high-deductible insurance.