It is normal for most employers to provide health insurance to their employees. However, due to recent economic problems and the rising costs of health care, more and more companies are no longer including health insurance in their employment packages. This is so especially true with companies that can offer only minimum or low wages to their workers.
Now, this is very unfortunate since due to their own faults and the lifestyles they live, people often suffer a variety of ailments. They get sick due to a poor diet and lack of exercise and activities. But what’s more unfortunate is the fact that modern medicine has come up with a number of solutions for treating various ailments. But, because some people have very limited or low income and no health insurance coverage, they are unable to get the necessary medical attention. All too often this results in the worsening of their condition which, in some case, could prove fatal in the long run.
Furthermore, families that have no health insurance or medical plans are more likely to postpone consultations and checkups with doctors because of the cost. So even for preventive measures, low income earners will just keep their symptoms and ailments to themselves. They do this because they just can’t spare the money they have for necessities like food to pay a doctor to check their health conditions. This is also the reason why advance stages of diseases are often detected in families that have no health care. Due to the lack of preventive measures and prior consultations, the disease will develop complications. The results are often catastrophic.
While it might be true that people who avoid health plans and insurance save money by not paying the rather expensive premiums, they get a rude awakening when admitted to a hospital. The costs of being admitted to the emergency room, as well as the daily costs of medical care, are much larger than the savings they get from not paying health premiums. So it would still be better to get a health insurance plan rather than relying on personal savings to get you out of a medical emergency.
Thus we can only stress the importance of having health insurance. This concern is shared by the government which has instituted laws that require the state to provide health insurance programs for people that belong to the low income bracket earners. An example would be the Medicaid health care system being administered by the states. The number of beneficiaries in the Medicaid program is steadily increasing especially nowadays when the economy is not as good as in previous years. The various states are having problems subsidizing the increasing number of Medicaid care holders.