Pros And Cons Of Health Insurance

Do We Need National Health Insurance? For some time now, Americans have been wanting to switch to a universal health care system. A healthcare system where all Americans will have access to the proper health care that is affordable and fits their needs. Some solutions that can be implemented are replacing for-profit insurance companies, reforming the health care system, and hiring insurance companies that have slow cost growths. These are excellent solutions because there are a substantial number of Americans who do not have health insurance and desperately need it. However, we should not put a national health care system into effect because our current health care system is in a corrupt state and has to be addressed before we can move forward.
Background Information

To begin with, the majority of insurance companies are privately owned and this allows companies to set their own rules and causes health insurance to become unaffordable. First, companies “maximize premiums and
These pros and cons definitely need to be considered before implementing a universal health care system. One advantage is the fact that everyone will be able to receive health care. This benefits not only citizens, but physicians as well. According to Crone (2010, p.171), “Doctors and dentists would deal with one bureaucracy rather than fifty government bureaucracies and many insurance bureaucracies.” This will relieve so much stress for doctors because they will not have to talk to several insurance companies about what services they will cover for their patients. Another advantage is that there will be a reduction in health care costs. According to ProCon.org (2015), “healthcare spending could be lowered by $592 billion and up to $1.8 trillion over the next decade.” This is an exceptional advantage because it could reduce the national deficit and the money could be used elsewhere to help the