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Private Health Insurance

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Sample Answer 

Private Health Insurance

The cost of healthcare has been a big concern in the United States and across the globe. Expenditures such as health research, healthcare, and other health-related services and items have sharply increased tenfold over recent years since the 1980s. Some western economies implement national healthcare and health insurance to cater to the rising need for healthcare services. However, private health insurance in the United States and uninsured people have increasing excreted pressure on the healthcare system. In the U.S. workforce, companies provide private health insurance through employer-sponsored programs. According to the U.S. Census Bureau data, about 60 percent of the population is covered by their employers, while 9 percent directly purchase private insurance (Dan, Seabury, & Jena, 2015). Even though the government has initiated several programs to cater to the rising costs of healthcare, a lot remains to be done in the insurance sector, especially the private insurance sector.

According to the main goals of the Patient Protection and Affordable Care Act, the government needs to address the rising costs of healthcare. The goals include the expansion of Medicaid to the working poor, reforming the private insurance market, and influencing legislation related to medical decisions (Silvers, 2013). These objectives primarily depend on the private choices made by the policyholders rather than the regulations placed by the government. The underprivileged members of society suffering from chronic illnesses have challenges paying for their premiums and receiving the quality of care they ought to receive due to their lack of funds.

As a medical practitioner, I have ethical constraints balancing providing healthcare services to patients against the monetary demands of the facility I work for. Even though my employer has not yet implemented specific strategies to handle patients with financial challenges, healthcare providers are non-discriminate in handling patients based on their insurance type.


Dan, P., Seabury, S., & Jena, A. (2015). Divorce among physicians and other healthcare professionals in the United States: analysis of census survey data. Business Management Journal, 350(706). doi:10.1136/bmj.h706

Silvers, J. B. (2013). The Affordable Care Act: Objectives and Likely Results in an Imperfect World. Annals of Family Medicine, 11(5), 402–405. doi:10.1370/afm.1567


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Private Health Insurance

Review of Current Healthcare Issues

If you were to ask 10 people what they believe to be the most significant issue facing healthcare today, you might get 10 different answers. Escalating costs? Regulation? Technology disruption?

These and many other topics are worthy of discussion. Not surprisingly, much has been said in the research, within the profession, and in the news about these topics. Whether they are issues of finance, quality, workload, or outcomes, there is no shortage of changes to be addressed.

Private Health Insurance

Private Health Insurance

In this Discussion, you examine a national healthcare issue and consider how that issue may impact your work setting. You also analyze how your organization has responded to this issue.

To Prepare:

  • Review the Resources and select one current national healthcare issue/stressor to focus on.
  • Reflect on the current national healthcare issue/stressor you selected and think about how this issue/stressor may be addressed in your work setting.

By Day 3 of Week 1

Post a description of the national healthcare issue/stressor you selected for analysis, and explain how the healthcare issue/stressor may impact your work setting. Then, describe how your health system work setting has responded to the healthcare issue/stressor, including a description of what changes may have been implemented. Be specific and provide examples.

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