Uninsured for Health Care Our Term Paper

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In many cases, plans that have looked good on paper haven't worked out in real life. An example of this would be the "gatekeeper" practices, where the primary care physician decided if a patient needed to see a specialist, or have certain tests performed, or be hospitalized. The doctors had financial incentives to not refer, creating a potential conflict of interest, while patients resented their diminished ability to participate in their own healthcare decisions (Nichols, et. al., 2004).

In addition, employers are the real insurance providers for many people, and since employers are not a core part of health care systems, they make their decisions based on the bottom line: as host care costs rise, they pass at least some of this increase on to their employers by requiring higher co-pays on the insurance premium (Nichols, et. al., 2004).

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Where consumer-driven health plans have been established, they have reduced costs (Nichols, et. al., 2004). But managing costs for the 85% of those who have health care is only part of the problem. If the government established a program for providing health care for that 15% and gave them some consumer power, letting them participate in the decision of who would provide this health care, such a plan might bring increased market pressure to insurance purchase. Since these funds would be federal, perhaps new insurance companies could be brought in for these 15% to choose from, which could increase choices for everyone in the community......

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