The financial problem of insufficient health insurance coverage presents a significant obstacle, restricting access to necessary medical care and negatively impacting people’s health and well-being (Keisler-Starkey & Bunch, 2021). This problem has an impact on coworkers, organizations, communities, and the workplace. It prevents people from accessing the healthcare they need, which has a negative impact on their health and raises healthcare expenses and productivity.
Organizations suffer greatly from inadequate health insurance coverage, which raises healthcare expenses, reduces employee productivity, and increases absenteeism. When workers are unable to obtain necessary medical care because their insurance is insufficient, they are more likely to become sick and need more medical care, which raises the organization’s healthcare expenses (Folger, 2021).
Insufficient health insurance coverage also raises the risk of employee absenteeism and lowers productivity since it may cause workers to put off getting essential medical care or forgo preventative care altogether. This could lead to more serious health issues, longer recuperation periods, and more absenteeism, all of which would be detrimental to the organization’s overall profitability and productivity (Folger, 2021).
There is a clear reason for dealing with this problem. Ensuring that everyone has access to reasonably priced healthcare improves healthcare outcomes, lowers healthcare expenditures, and promotes both individual and community health (Chernew et al., 2021). But there is still a big disconnect between the demands of people without access to healthcare and the availability of coverage.
Over 28 million Americans did not have health insurance in 2020, according to recent data from the US Census Bureau. This represents a 0.8% rise from 2019. Strict qualifying requirements and constrained insurance options could be significant contributors to this problem (Keisler-Starkey &Bunch, 2021). Low-income people and communities of color are particularly impacted by this coverage gap, which exacerbates already-existing inequalities and healthcare result discrepancies.
A comprehensive approach is required to address the problem of inadequate health insurance coverage. This approach should include increasing access to healthcare coverage, removing systemic barriers to healthcare access, and advocating for policies that put the health and well-being of the community first (Keisler-Starkey & Bunch, 2021).
Access to healthcare services is negatively impacted by poor health insurance coverage, which is characterized by significant socioeconomic and diversity inequities. Communities of color and low-income persons endure a disproportionate amount of the burden, with worse health outcomes and increased barriers to healthcare access (Ndugga & Artiga, 2021).
According to a research in the American Journal of Public Health, people with lower incomes are more likely to be uninsured, with percentages ranging from 25% to 40% for those who make less than 200% of the federal poverty line (Cable, 2020). In addition, people from racial and ethnic minority groups are more likely to be uninsured than other groups; the percentage of uninsured Hispanics is 19%, the percentage of Black people is 11%, and the percentage of non-Hispanic White people is 8% (Artiga et al., 2021).
Due to the fact that uninsured people are less likely to obtain essential medical treatment, chronic illness management, and preventive care, these differences in health insurance coverage have a substantial impact on access to healthcare services (Daghlas et al., 2021). This limited access raises healthcare expenses and results in worse health, especially for those with long-term medical issues.
It is imperative to implement targeted policies and programs that prioritize the health and well-being of low-income persons and communities of color in order to address the socioeconomic and diversity inequities in healthcare access. This could entail tackling systemic obstacles to healthcare access, such as transportation, language, and cultural barriers, as well as broadening Medicaid coverage and improving access to affordable health insurance options.
Evidence-based sources stress how important it is to address low health insurance coverage in order to improve access to healthcare services and advance the health and well-being of individuals as well as communities. The following references highlight the necessity of possible modifications or plans for implementation:
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