Employer-sponsored health insurance.
In most other countries in the world, government plays a central role in covering health care needs; however, in the United States, the private sector (in the form of employer-sponsored health insurance) serves as the dominant form of medical coverage. For this assignment, discuss the following
Describe and discuss some of the ethical concerns or problems that exist because of the dominant form of employer-sponsored health insurance.
Discuss reform actions that the U.S. government has taken to reduce the ethical concerns or problems that you discussed.
Define the ethical principle of justice, and discuss its role in the U.S. health care system.
Sample Answer
Ethical Concerns and Problems with Employer-Sponsored Health Insurance
Employer-sponsored health insurance (ESI) is the dominant form of health insurance coverage in the United States. However, there are a number of ethical concerns and problems associated with ESI, including:
- Lack of universal coverage: ESI is tied to employment, so people who are unemployed, underemployed, or self-employed may not have health insurance coverage. This can lead to disparities in access to healthcare and financial hardship for those who need it most.
- Job lock: ESI can discourage people from changing jobs, even if it is in their best interest to do so, because they do not want to lose their health insurance coverage. This can limit job mobility and economic opportunity.
- Affordability: The cost of ESI has been rising steadily for many years, making it increasingly difficult for people to afford. This can lead to people underinsuring themselves or going without health insurance altogether.
- Discrimination: ESI plans can discriminate against people with pre-existing conditions or certain health conditions. This can make it difficult or impossible for people with these conditions to get health insurance coverage.