Health insurance has been a major part of the modern society and has come hand in hand with the way people view daily routine and responsibilities in a civilized populous. Year 2014, is said to bring major changes into insurance industry and more specifically, noticeable increases in the necessity to get insured.
The ever changing world has increased the pace both economically and industrially. People’s rights have received more attention than ever and so, the way people treat their health and governmental responsibility towards it, has also, dramatically changed.
Not only does society demand guarantees that the health of an individual will be protected but the government itself understands that it is better to go ahead and get involved with proper insuring. In a book titled “Basics of the U. S. Health Care System”, Nancy Niles examines the benefits to both parties but mostly for the government, as people get their health benefits and the government makes sure that people do not sue for large sums of money.
People will be closely examined on their health status—medical issues and present conditions, the environmental factors that might affect any changes and even genetic predispositions, in some cases will be determined. Of course the mandatory criteria will be decided according to the amount of income and in case insurance the sum is not of significant amount, these individuals will be exempt (Niles, 2010).
As with other laws, the government will set up penalties and fines which will be of strict amount, so it would be simply impractical to avoid responsibility. But as with any new policy, some aspects of such mandatory insuring are not easy to predict just yet. Author Anthony Kovner gives an inside look on the future and how insurance policies will be shaped.
The general outline has set the framework but there are many criteria that would have to be analyzed on an individual bases. Different categories of people, their living conditions, social status and environmental hardships will be taken in consideration when calculating mandatory insurance policy.
The interaction between different governmental institutions and administrations will be closely involved in the monitoring and setting up of the regulations. Even though the government may require minimal protections and standards, the local policy makers and laws will have to be taken into account (Kovner, 2011). It is clear that the changes will not be totally unreasonable. In 2010, the plan was set to specifically focus on the most essential needs of people and the provision of health care.
Labor communities, as well as corporations will take a great part in the setting of limits and minimums for insurance, so the process is still under much deliberation. Nonetheless, president Obama has played an influential role through campaigns and advertisements that have guided American citizens in understanding the changes, outlining the necessities and parts of the reform plan that are still developing (McDonough, 2011).
Another perspective in regards to insurance necessity is given by John Dicken in “Private Health Insurance Coverage”—whereas, before it was said there will be an individual approach but some employees will be automatically enrolled into the new plan, without questions or conditions offered. This might cause some outrage, as people are never welcoming absence of choice. Beginning January 2014, the results of changes will be clearly seen and then, enrollments and requirement ratios will be more evident for further analysis (Dicken, 2011).
The four sources set up the basis and criteria for what to expect from the new insurance plan. They all have informative points that will aid in forming an opinion, as to what specifics will take precedence.
References
Dicken, J. (2011). Private Health Insurance Coverage. Washington, United States: DIANE Publishing.
Kovner, A. (2011). Jonas and Kovner’s Health Care Delivery in the United States. New York, United States: Springer Publishing Company.
McDonough, J. (2011). Inside National Health Reform. Los Angeles, United States: University of California Press.
Niles, N. (2010). Basics of the U. S. Health Care System. Sudbury, United States: Jones & Bartlett Learning.