Health Insurance Woes Report (Outline)

Health Insurance Woes

Thesis: The problems of health insurance necessitate a discussion of healthcare as a right.

I.         Issue of rising medical costs

A.     New scientific discoveries and inventions

B.     Older age extension

C.     Hospital care: Emergency Rooms and outpatient

II.         Private health insurance history

A.     Beginning with Empire Blue Cross & Blue Shield

B.     Other commercial insurance

III.         Insurance Company dilemma

A.     High prices of health care to balance out with premium

B.     Time of insurance purchase + Preexisting condition

C.     “Cheating the system” à Buying later or waiting till sick

D.    Cost-sharing

1.     Deductibles

2.     Copayments

E.     Coverage issues – What’s on paper

IV.         Limiting health care (types of coverage)

A.     Employer based

B.     Federal programs

C.     Private coverage

D.    None

V.         Current US predicament

A.     Mix of different coverage

B.   PPACA

FIN