Many Young Adults Are Being Forced To Live Without Health Insurance
Health insurance is an important aspect of life and live without it can put not only their financial stability, but their life in danger. Many young people who are aging into the adult population are forced to live without health insurance. Health insurance premiums have proved too costly for those who are leaving school and preparing for career off the ground.
The current job market is difficult to succeed in even with a degree from a good university and this means many graduates have to settle for jobs that may or may not even be in their field. And with the rising cost of health care costs more employers are dropping health insurance as a benefit of employment very simply because they just can no longer afford to help employees pay their premiums.
The little bit extra that employees might be making is little consolation when it comes to helping them afford health insurance. On average most employers will only raise an employee’s salary by a few dollars an hour if they don’t offer health insurance benefits and this is not even close to the amount that they will wind up paying to insure themselves and their families through a private pay insurance policy.
The problem clearly lies in the high cost of health insurance premiums which is directly proportional to the high cost of medical care itself, and is directly proportional to the high cost of medical malpractice insurance, which is directly proportional to the number of medical professionals, pharmaceutical companies, and government agencies facing demands posed by individuals who have been harmed or injured by the medical community. Now maybe this seems like a lot of variables, but when you take half of it away all that remains is the fact that the high cost of medical insurance is caused by medical malpractice.
Knowing that one must wonder if the medical profession is aiding or harming their cause. After all, if medical liability issues weren’t so common, there would be fewer lawsuits and doctors would not require malpractice insurance and therefore the cost of health care would be reduced. Many doctors consider this to be caused by lawyers and that people expect them to be miracle workers, and neither is to far from the truth. Regardless of whose fault it is the cycle must be broken if we are ever going to see health insurance premiums fall.
When shopping for affordable medical insurance go to gohealthinsurance.com. At this site you can find Student Health insurance and compare quotes with other companies.
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