Essay on "Healthcare Hadley, Jack, John Holahan"

Essay 2 pages (636 words) Sources: 3

[EXCERPT] . . . .

"The full-year uninsured receive 85% of all uncompensated care and 81% of all implicitly subsidized care" (Hadley 2008: 403). But one of the more interesting findings by the study was that there was relatively less cost-shifting than expected -- that is the costs of the uninsured being 'passed on' to the insured in the form of higher premiums -- instead, it is the government who bears the lion's share of the burden of the care of the uninsured, nearly 75% (Hadley 2008: 411).

If all Americans were insured, spending would clearly increase an estimated 70%. But "various health system reforms, such as competing private health insurance plans within purchasing pools, greater use of public programs' fee schedules, or expanded use of health information technology, could reduce the estimated incremental resource cost of expanding coverage" (Hadley 2008: 412). Savings for the expected additional expenditures could also be found by redirecting the funds now used in programs to finance the care of the uninsured. Also, there would be savings generated for society that are not immediately apparent, such as the improvement of the public's health through preventative medicine and the reduction of chronic diseases.

Overall, the article strives to present a realistic but optimistic portrayal of the costs of universal coverage. The current system whereby the uninsured are discouraged from obtaining preventative medical care because of their exorbitant out-of-pocket expenses must end. It is financially unsustainable as well as morally unsustainable. Although the costs of universal coverage are substantial, they can be balanced through reallocation of funds, and through premiums paid by the currently uninsured, given that 71% live above the poverty line. The costs of not providing universal care are much greater, both in terms of the health of Americans as well as the financial drain placed upon the system through uncompensated…

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