Access to Insurance versus Access to Care


Accessto Insurance versus Access to Care

Accessto Insurance versus Access to Care

Theimportance of healthcare cannot be understated as far as the overallwellbeing of the country is concerned. Indeed, health determines theeconomic capabilities of a particular country, especially having inmind that economic activities can only be undertaken by individualswho are healthy. Nevertheless, the prospects of health are oftenhampered by the financial capabilities of individuals. This hasattracted the attention of the society to the importance of insurancein safeguarding the access and obtaining of care.

Thereis a fundamental difference between the concept of access toinsurance and access to care. Access to insurance underlines thecapacity to obtain insurance services, as well as having the abilityto pay for the same. In essence, it must encompass not onlygeographical and financial proximity but also the eligibility of anindividual to the same. Access to care, on the other hand entails thecapacity to obtain the appropriate medical assistance when needed andat a feasible or reasonable price or cost (Blackman,2013).In this case, the individual must have the capacity to pay for themedical services, and obtain the same in the fastest way possible forthe care to be deemed accessible (Blackman,2013).A case in point would be in rural areas where it is often difficultto get well equipped healthcare centers or professionals, where evenwith the financial capabilities or insurance coverage, individualswould have to travel to other places to obtain care. This distinctionis crucial since individuals need to make sure that the insurancepolicies that they access are accepted in the right hospitals thatare properly equipped (Blackman,2013).


TheFederal Healthcare Reform 2010 (popularly called Obamacare or ThePatient Protection and Affordable Care Act) requires that expands theavailability, quality and affordability of public and private healthinsurance via insurance exchanges, subsidies, taxes, consumerprotections and other reforms (Blackman,2013).Of particular note is the fact that it does not regulate individualhealth insurance rather it seeks to eliminate the negative practicesthat health insurance companies have been undertaking for eons. Acase in point would be the barring of individuals with pre-existinghealth conditions from obtaining coverage or even charging them muchmore than the ordinary people. The reform has prohibited insurancecompanies from undertaking such discriminatory practices and requiredall people in the country to have some form of health insurance,while companies are required to pay the same for their workers(Blackman,2013).The ultimate goal of expanding the insurance coverage is ensuringthat all people would be capable of accessing the most appropriatecare whenever they need it irrespective of their financial status atthat time or the pre-existing conditions from which they may besuffering.


Theexpansion of access to medical care via healthcare reform isundoubtedly a desirable action. However, there may be someundesirable effects of the same particularly with regard to theworking hours (Blackman,2013).Employers may sack fulltime workers and reduce the number of hoursthat part-time workers have so as to reduce the amount of money thatthey are supposed to pay for workers as healthcare insurance. Thiscould lead to an increase in unemployment. On the same note, it hasbeen stated that the increased access to medical care would strainthe already strained medical facilities, with the country requiringan additional 200,000 medical professionals by 2025 (Blackman,2013).


Pipes,S. (2010).&nbspThetruth about Obamacare.Washington, DC: Regnery Pub.

Blackman,J. (2013).&nbspUnprecedented:The constitutional challenge to Obamacare.NewYork : PublicAffairs(Pipes,2010)

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