AMERICAN INSURANCE

Uninsured and Underinsured Americans



Introduction

The United States of America is one of the most developed countries in the world today. A person living in America usually enjoys all the perks and benefits related to a reasonable lifestyle. But apart from all the perks, there are some major issues that have made a great impact on the lifestyle of the people living there. One of the biggest issues being faced by America today is the issue of healthcare. Everyone day, millions of people get affected by healthcare directly or indirectly. United States has one of the best healthcare systems of the world, but still most people over there are affected by it. Lot of recent surveys and studies state millions of Americans without healthcare.

Year by year, the problem is increasing instead of improving. Recently, a report was issued by the U.S. Census Bureau that there were 45700000 Americans uninsured in 2010 compared to 47 million in 2009. While the report shows a slight decrease in the number of uninsured, and emphasizes the urgent need to expand access to health coverage, according to Consumers Union, nonprofit publisher of Consumer Reports. Reduction in the number of uninsured is due, in part, by the fact that the coverage has a greater number of people through the government health insurance programs during this period. The report concluded that the population of the United States was covered by a larger number of people through the government health insurance programs - increasing from 27 percent in 2009 to 27.8 percent in 2010. In the United States, most of the medical bankruptcies occur due to the healthcare issue. Underinsurance in comparison is a bigger problem to uninsured. There is practically no insurance plan available that provides a user with all the benefits. It is bound by limitations and other issues some way or the other. Most of the healthcare plans fail to cater the need of people who avail them.

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Effects of the uninsured and underinsured

Women

Over 17 million women lack health insurance. Among workers, women are less likely than men to be eligible to participate in the health plan your employer. This usually happens because women are less capable and they don't work has a full time. Moreover; they majorly rely on their husbands for their bread and butter. In case of the death of their husband or their separation, they usually lose ...