Breaking the Stigma of Health Insurance

Major Concerns

The need for reorganization of the existing healthcare system in the USA is justified by its low effectiveness, too high costs, and inability to meet population needs. Currently, 11% of all citizens do not have access to healthcare services because of various factors. These include price, poor organization, lack of facilities, and insufficient coverage (Deb et al., 2019). Under these conditions, the reorganization should focus on the major areas, such as accessibility, cost, coverage, and basis for future improvement. The existing model is ineffective, outdated, and even discriminative because of its focus on privileged classes.

Proposed Reform

Regarding the problems mentioned above, the proposed reform presupposes the radical transformation of the healthcare sphere. First, it is vital to eliminate the health insurance model as it remains ineffective, too expensive, and insufficient regarding the exiting clients’ demands. Instead, it is critical to introduce the National Health Service (NHS) with the ability to provide essential services to all citizens of the USA. It will also help to switch to the universal health care model, meaning that all people will benefit from the accessibility and affordability of care. The government should act as the sponsor and regulator of all activities, collecting funds via the new taxation policies.

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Role of Government

The proposed change presupposes the critical alteration in the role of the government. In the USA, the state agencies perform monitoring functions, offering recommendations and ensuring the existing laws are observed. The reconsideration presupposes that the government should pay for all provided medical services instead of insurance companies or citizens. Money can be acquired using tax revenue and other sources. Moreover, the state agencies representing the government should create the basis for new improvements sponsoring new projects using the information collected in all areas. The scheme also presupposes that the private sector will not be funded and function independently.

Taxation

The establishment of a new taxation policy should be viewed as the basic step needed to support the reform and establishment of the NHS. Due to the proposed change, the government will acquire funds to sponsor the healthcare system and ensure its increased effectiveness. All citizens should pay taxes established by the authority regarding the existing needs. It will help to generate a pool of resources vital for the work and evolution of the whole sphere. Moreover, it will help to make services more affordable and accessible for most citizens across the state.

Coverage

The major advantage of the proposed model is its broad coverage. NHS treatment should be free for all residents in the USA, including hospital, physician, and mental care (Ellis, 2019). It is the basis for further improvement and transformation to attain existing goals. Because of taxes, all citizens can benefit from the affordability of care, as almost all health services should be free. Only unnecessary plastic or cosmetic interventions should be discussed with a board and a patient to determine their significance, existing funds, and costs.

Universal Access

The provision of universal access to all services is the central aspect of the proposed system. It will differ from the previous one because of the accessibility and affordability of care. Citizens will not need health insurance as the government will guarantee the on-time delivery of all necessary services for a client at the moment. This model of NHS’s work can help to eliminate disparities and inequalities regarding access to care and ensure that there is a minimum number of barriers preventing people from being treated. Moreover, non-residents can be treated using existing funds in complex states demanding immediate intervention.

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Free and Paid Services

As stated previously, all essential services should be free and provided to all clients. However, to avoid overspending, it is vital to introduce the category of paid treatments demanded by patients. These might include cosmetic and plastic surgeries, IVF (or a limited number of attempts), and other aspects. The list can be created by consulting with specialists and asking for their assistance regarding this issue. The given differentiation is vital as the new system should focus on providing all citizens with the care they need at the moment.

Inflation

The proposed system is more resistant to inflation peculiar to the healthcare sector. First of all, the government’s involvement will serve as the guarantee that the inflation levels will be controlled. Acting as a sponsor and regulator simultaneously, the state can monitor the effective use of funds and avoid its overspending. Moreover, better planning because of the government’s active role will contribute to the reduction of unnecessary spending and help to attain better outcomes. Finally, by supporting health promotion programs, the government can promote positive change and reduce the amount of money spend on guaranteeing the high quality of people’s lives.

Overspending

The transformation of the sphere with the focus on the increased role of the government will help to attain better results and avoid overspending. For instance, all unnecessary or low-effective projects should be closed to avoid unwise distribution of funds. Moreover, the government will control reports and financial statements of all actors involved in the process, which will provide it with the chance for better performance. Finally, the separation of the private sector will guarantee higher transparency levels.

Conclusion

Altogether, the proposed change focuses on the elimination of the existing system and the establishment of a new one. The National Health Service (NHS) should provide free services to all residents. The effective taxation policies will be used to collect money to support the new incentive and ensure the government will have enough funds to pay for all services people in the USA will need. Inflation in the sphere and overspending can be controlled because of the increased transparency and the exclusion of private actors. This change is expected to increase the accessibility and affordability of healthcare services in the USA.

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References

Deb, R., Paul, T., Debbarma, J., & Chakraborty, K. S. (2020). Breaking the stigma of health insurance. Management and Labour Studies, 45(1), 54–84. Web.

Ellis, H. (2019). The birth of the National Health Service. Journal of Perioperative Practice. Web.

Evans, L. (2017). Police and public involvement: Lessons from the National Health Service. The Police Journal, 90(3), 215–227. Web.

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