The inclination for minimum government and ideas of individualism are the main reasons for the manner in which American health care system is formed. Even after spending highest part of national capital income on health care, the ease of access to health insurance and cost associated with it is critical issue in the country since long time.
This is the reason there are many critics against health insurance system in US, who believes that America is on the verge of national health reform.
The United States of America is no more a leader in the world in terms of superior health care. The country has now come to realize that quality of health care is going to be a giant issue. Around 50% of the bankruptcy filed in United States is because of heavy medical bills and unsettled claims.The primary complaint about health care policy is the price tag, because the basic price of insurance has already gone through roof. The current health insurance system is difficult to access for lower middle class and poor people, and those who want to qualify are not getting benefits commensurate with the prices they pay. The insurance market in US is dominated by a few numbers of leading insurance companies which has created balloon in pricing and it has already thrown away the small insurers out of the competition.
There is strong debate on health care reforms in United States, which raised major questions related with a right to access health care, availability, efficiency, choice, fairness, value, cost and quality. People have a doubt that the health care system in US does not deliver according to the value for money. Currently, US have highest infant mortality rate and lower life expectancy as compared to the most industrialized nations of the world. This enlightens the poor medical health care condition of the nation and inability of the health insurance industry to fix up the problem. In today’s scenario, the massive cost of health insurance is not affordable to everyone, which is the reason why most politicians in America are forcing for free style of health care like European countries. However, there are many for and against this decision and Americans prefer in seeking low cost health care within their country. One of the important downfall factors for American health care system is the big number of uninsured people. It is unfortunate thing for the country that despite being most powerful industrialized nation, people have to seek health insurance in their employer and they have to keep their career or business dream on hold.
In near term, there is hardly any chance that the Federal Government will change the foundation of existing system. So it will be better for people, if they check their insurance priorities on urgent basis and make sure that their policies will meet their expectations, if not then they can shop for the customized plan they want.