Dilemmas Of Employer-Sponsored Health Insurance

Dilemmas of Employer-Sponsored Health Insurance

Ethical problems in health covering

these norms in health sectors are considered when giving out coverage and health services after issuing the coverage on health. Equality in administering health insurance. Insurance covers are given to the people who can pay the insurance. This means that insurance given out depends on the economic status of an individual. Those who are poor economically do not have access to insurance; if they will, they would have gone through much. Also, when it comes to treatment, an individual is being considered if their insurance coverage has reflected or if there have been regular payments at a certain period. The therapy can happen if it does not remember and show some charge. The insurance does not apply to some essential medicines because those treatments are expensive in finance and time. Due to this, the patient suffers a lot which may result in advanced illness or even death.

Measures taken by the government

the government to enact policy on matters related to coverage issues. The approach to enhance issuing of coverages regardless of individual economic status. The government to pass laws that justify the treatment of patients irrespective of the financial position of patients. Also, the government can set aside a certain amount of money that will be paid for those who can not afford medications for essential treatments. The government should take part in issuing health coverage and also provide free medical treatments and medicines to its citizens. The government can instruct and order the increment of funds that the insurance offers patients. Also, the government can require affordable monthly or annual insurance payments by individuals to insurance companies. This will enhance health improvement, thus enabling every patient to access treatments.

Discuss the ethical principle of justice and its role in the U.S. healthcare system.

The health system aims to access medical coverage for every individual and significantly modify health services costs. This can be achieved by shoeing and practicing justice and fairness in the health sector; it includes cost sharing of health services between the patient, government, and the health system itself. Every patient should have a legal guarantee to access essential, basic, and emergency care regardless of financial issues. Also, ensuring funds to patients should be mandatory for every patient and equal to them, irrespective of their socioeconomic status. Healthcare services should be efficient, effective, and constrained in their cost demands.

References

Lee, S. W., & Hurst, D. J. (2020). Ethical concerns regarding private equity in Right to Try in the USA. The Lancet Oncology, 21(10), 1260-1262.

Du, L., Lin, S., & Kamenova, K. (2020). Framing ethical concerns and attitudes towards human gene patents in the Chinese press. Asian Bioethics Review, 12(3), 307-323.

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Question

In most other countries, government plays a central role in covering health care needs; however, in the United States, the private sector (employer-sponsored health insurance) serves as the dominant form of medical coverage. For this assignment, discuss the following:

Dilemmas of Employer-Sponsored Health Insurance

Describe and discuss some ethical concerns or problems arising from the dominant form of employer-sponsored health insurance.
Discuss reform actions that the U.S. government has taken to reduce the ethical concerns or problems that you discussed.
Define the ethical principle of justice, and discuss its role in the U.S. healthcare system.

Dilemmas of Employer-Sponsored Health Insurance