Families USA, a consumer advocacy group, points out that 2,175 Americans die each month because they lack health insurance. This shocking number has prompted health managers and government officials to look for ways to make healthcare more affordable for the uninsured and underinsured. Let’s explore the risks that come with not having insurance.
**1. Financial Ruin**
Medical procedures can be incredibly expensive, and no matter how much people try to save, a serious or prolonged health issue can lead to overwhelming medical bills. Without insurance, these costs can quickly reach tens of thousands of dollars. For those living paycheck-to-paycheck, such expenses can be catastrophic. High medical bills can force people to sell their belongings, give up essential needs, or even declare bankruptcy. Sadly, many Americans are left choosing between healthcare and basic necessities like food and shelter. No one should have to make such tough decisions.
**2. Higher Premiums**
Not all employers provide health insurance, leaving many workers to consider private insurance. However, private insurance can be very costly, making people weigh the potential risk of illness against the burden of high premiums on their finances. For individuals who have been relatively healthy, paying for private insurance might seem like a waste. But if they decide to go without coverage and later need it, the premiums can become even higher. Insurance companies often assess past medical histories and previous insurance coverage when determining policy costs, so delaying insurance can be a costly gamble.
**3. Difficulty Finding Care**
Without health insurance, getting medical care can be a real challenge, even if you can pay out-of-pocket. Many doctor’s offices and clinics might hesitate to treat uninsured patients, fearing financial losses. While skipping a doctor’s visit might not be a big deal for minor issues, it’s a different story if you’re experiencing something serious like chest pains or difficulty breathing. In urgent situations, there’s no time to shop around for a clinic that will accept you.
**4. Death**
Contrary to Mitt Romney’s claim on “60 Minutes” that uninsured Americans aren’t dying due to lack of care, the reality is quite different. For instance, uninsured breast cancer patients are twice as likely to die as those with insurance. Minor illnesses can escalate into severe health problems by the time someone can afford care or get insurance. The harsh truth is that lacking health insurance can be fatal.
Affordable healthcare has been a persistent issue in America for decades. The only way to solve this problem is for government officials, insurance companies, and healthcare administrators to collaborate on making healthcare accessible and affordable for everyone. Until then, our un- and underinsured friends, family members, and neighbors will continue to face significant health risks.