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Impact of Unisured Population

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Submitted By cjs4393
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Impact of Uninsured Population Project: Part 1 Outline The purpose of this project is demonstrate my understanding of the impact of a growing uninsured and underinsured population on Banner Health facilities in the metro Phoenix area. Uninsured and underinsured individuals have been on the rise throughout the United States. The uninsured and underinsured has really put a burden on the taxpayers and insured raising costs and premiums four times faster than the rate of inflation. Currently the United States government is attempting to reform the healthcare system, so that all citizens have access to adequate high quality health care at an affordable cost. People who do not have health insurance coverage by either private or government-sponsored health insurance programs define the uninsured individual. The voluntary system of health insurance in America is the primary cause of leaving a segment of the population uninsured. Many Americans remain uninsured because employers in the private sector do not mandate to provide health insurance to their employees, and the public programs cover only certain defined categories of people who meet the criteria established for eligibility (Shi & Singh, 2004). The Phoenix area has one of the highest rates of uninsurance in the country, with more than one-quarter of the population lacking coverage. Only 60% of working adults and their dependents receive health insurance through their employers, and the preponderance of low-wage jobs in the local employment sector makes it likely that many people cannot afford to purchase insurance on their own. Federal welfare reform legislation enacted in 1996 has contributed to the insurance coverage problem because reportedly large numbers of former welfare recipients who remain eligible for Medicaid have not reenrolled (See Appendix A for

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