Please feel free to use this article provided that credit is given to the resource box.
Keywords: Prevention, Health Insurance, Health and savings accounts, Universal Health Care Coverage, New Middle Aged Group
© Copyright Arthur Levine 2007
Words: 843

There is now a substantial proportion of the population in the United States, he is not happy with your health insurance coverage or lack thereof. There are approximately 46 million uninsured in the USA.

Members of the New Middle Aged Group are particularly interested in their health insurance options, because many of them lose health benefits to the retirement. Medicare, which is available in 65, are not covered everything, and individual or family health care policies of insurance are very expensive and mostly paid with pretax dollars.

Health care costs in the U.S. continue to rise, and most health insurance premiums year to do very often at double digit rates. .

Disease prevention expenditure as a share of Gross Domestic Product (GDC) represents 16% of the budget with only 4% spent on Disease Prevention while 50% of illnesses are preventable.

According to the Congressional Budget Office in 2020 health care spending, which is dollars and over $ 2 trillion (16% of GDP), could easily exceed 25% of GDP.

The Americans over 65 represent about one-eighth of the population and one third of healthcare spending. In 2030, older Americans could represent almost half of health care expenditure according to a study by the Centers for Medicare.

Government statistics show that spending on health by Americans between 1970 and 2005 increased on average 9.8% per year for private health insurance and 8.9% for Medicare beneficiaries according to the New York Times.

The Republicans and the great favor of a private insurance plan called Health Savings Accounts (HSA) to solve the health problem. An overview of this program is that it allows companies or individuals to contribute a certain amount of money tax free to an HSA (Health Savings Account) and take a catastrophe or major medical insurance for balance. The good part is that it encourages individuals to be aware of Disease, because most medical expenses are out of their accounts HSA, which the fund balance can be rolled back as savings from year to year. In larger companies, where the program has been created has been considerable savings. The drawback is that it tends to attract young people healthy, and does little to help aging, disease or exposed part of the population.

The Democrats and the large favored some form of universal health care funded by the federal government. The good part is that everybody be covered. The downside is that there is no incentive for people to practice Disease Prevention because the government is paying the bill and this could lead to a massive new federal program that over time can not be adequately funded by the government as it grows in the light of the demands of our other rights issues such as Medicare, Medicaid and prescription drug insurance.

Today we are at the crossroads of the escalating costs of Health Care and Health Care funding requirements that have brought to the point of collision.

The solution may lie in the combination of some form of these two programs that use the platform Savings Accounts Health, to be financed with federal funds to subsidize the extent necessary so that all could be covered, including people with pre-existing conditions, either through a series of federal tax credits for individuals or companies, or direct contributions on individualism ™ € s name to finance the program, but it is not only the cost of health care. Itâ € ™ s to find a solution.

The solution to our needs medical care may well lie in the practice of Disease Prevention at the national level.

The costs of funding this combined approach can be substantially lower than under a plan of Universal Health Care straight because people would have the incentive to practice Disease Prevention, once we understand which is the money they spend on their health care, which can be around a year similar to an IRA, and because catastrophe insurance is generally less expensive than current all inclusive small deductible insurance program offered rate.

To this end, a disease prevention program should be made available worldwide to help them maintain a better health status and allow them to minimize their health care expenses in accordance with good medical practice and the use of the best options for care.

We have to show people to practice Disease Prevention at the same time we try to cover with Health Insurance if we produce a program, which ultimately can be self-financing through savings in medical costs.
*****

About the Author:

To find out how to look, act, and feel younger, and to stay healthy by practicing Disease Prevention in your fifties and sixties plus please visit http://newmiddleagedgroup.blogspot.com

Article Source: ArticlesBase.com – Disease Prevention – the Answer to Rising Health Insurance Costs

Health Care Reform: 450,000 Doctors Can’t Be Wrong