Premium Essay

Individual Mandate

In:

Submitted By
Words 375
Pages 2
The individual mandate is the prime focus in health care now. It makes sure that every person has insurance.

Health care services account for 17.6% of the GDP. According to Hiatt.F et al. (2012), today an average family pays an additional 1000 dollars of higher premium to subsidize the cost incurred by those who receive care and do not have insurance to pay for it. If every person does not need to have insurance, healthy people would prefer not to enroll for insurance, in order to avoid the ever increasing cost of premiums, which shift the costs to other people who pay insurance staring a viscous cycle.

According to census report (2011), there are more than 49.9 million uninsured Americans; the expenditure on uninsured is ever increasing. When all are insured, eventually the cost incurred by the government on uninsured reduces, this gives the government additional resources to spend on research and improve the quality of health care.

Many insurance companies deny insurance coverage for the pre existing conditions so that they would not have to pay a higher reimbursement however if insurance coverage would be made compulsory for all The cost would be spread out as there would be healthy people in the pool . For instance if we choose to go for individual plan the cost is eye popping high, but when we take group insurance the cost is significantly lowered. According to the insurance company policies a group is always safer to insure than an individual because they would have more negotiation with the hospital prices, this reduces the cost of medical treatment.

Even though the term “Individual mandate” causes knee jerk reactions among people, the reality is not so draconian. I think it is just like car insurance, it only requires a minimum level of coverage and it is entirely upon us to choose what plan and which insurance coverage.

Similar Documents

Free Essay

Policy Formulation

...Introduction: In a short period of time taking chances to determine the factors which may cause the increasing numbers of policies that needs to be re-evaluated for its revision, amendment or rescission as the case may be. It is observed that management and administration may not seem glamorous to young Officers who find excitement in operational duty. Adjutant General Service (AGS) work is not exactly attractive. It may hardly notice behind-the-scene of activities like management of personnel affairs, records-keeping, or the dissemination of official information, orders, instructions as these have been relegated to the background. While the rest of the Philippine Army (PA) hugs the limelight for brilliant operational activities, AGS pursues its goals quietly albeit with renewed vigor and dedication. Based on record, new generations from other source of entry to the military service like the Philippine Military Academy (PMA) have joined the AGS as their Area/Field of Specialization, 1 Captain, 8 1st Lieutenants and 15 2nd Lieutenants. A good move that will somehow help the AGS on its primary function, having a young Officers, full of inspiration and dedication to the service. However, this may change as time flies, like change of AFOS, a challenge that the Philippine Army should look into. Body: As seen in the power point presentation, the present composition of the Philippine Army Policy Board, created purposely to review and update...

Words: 921 - Pages: 4

Premium Essay

Lear's Tragic Flaw

...The first stage of Aristotle’s definition is the pre-eminence stage. This is where the Tragic Hero is either of noble birth or maintains a high position in society. Lear is shown as the King of Britain at the beginning of the play, therefore we are introduced to a character with pre-eminence and that is shown upon Lear’s entry into the play where he declares “We shall express our darker purpose. Give me the map there”. The use of the pronoun “we” is reference to the royal “we”, this instantly shows that Lear is a man who demands respect and is of a royal background. In addition the use of the adjective “darker” brings forth secretive and vague imagery and shifts the tone to that of a severe nature. This makes us unaware on what Lear is about to declare to the rest of the Kingdom, however this is a form of foreshadowing for the consequences of Lear dividing the Kingdom at this point in the play and that this event is what casts a shadow over the Kingdom. It could also reference the contextual significance of the splitting of the Kingdom due to the belief in The Divine Right of Kings. This was the belief that it was God who picked Kings which were exclusively male. With Lear giving his Kingdom to his three daughters, this completely ignores any of the contextual conventions which hints to the audience of Lear’s tragic flaw. This leads onto the second stage in Aristotle’s belief which is the Tragic Flaw that a tragic hero must have to help elicit pity from the audience and helps...

Words: 450 - Pages: 2

Free Essay

Explore How Religion Is Presented and Developed in Richard Ii and King Lear.

...Both plays, Richard II and King Lear, start by Richard and Lear believing that the gods are on their side and that God put them there for a reason (the divine right of kings). However throughout the plays their attitude towards divine assistance changes and they both realise they will have to pay for their mistakes. The divine right of kings in Richard II is present throughout the play. In Act 3, Scene 2 Richard says, ‘not all the water in the rough rude sea can wash the balm off from an anointed king;’. Earlier in the play Richard refers to himself as ‘England’ and the common people as the ‘sea’. He thinks that ‘the rough rude sea’ (the common people) cannot get rid of him because he is an ‘anointed king’. This means that he believes that God chose him to be king over everyone else. Shakespeare makes Richard appear, to the reader, as a egoistic, selfish king that doesn’t spare a thought for the common people of England by labeling them as the ‘rough rude sea’. This suggest his relationship with them isn’t good. In Richard II there are many references to the bible. England is described as ‘this other Eden, demi-paradise’ because Richard is ruining England like Adam and Eve ruined the paradise which God created when they were tempted by the snake. He’s making a ‘demi-paradise’ by making the wrong decisions. In act 3, scene 4 the Queen says, ‘Thou, old Adam’s likeness, set to dress this garden, How dares thy harsh rude tongue sound this unpleasing news? What Eve, what serpent...

Words: 857 - Pages: 4

Free Essay

Bossuet

...Kimberly Iberico January 22, 2012 Katherine Fidler Hist.—T-124-007 What is the theory of divine right monarchy, as outlined by Bossuet, and how does this political theory potentially come into conflict with the religious theory of the Catholic Church as represented by the Pope? Kings received power through god. Kings power is absolute through state. Bossuet asserted that “God establishes kings as his ministers, and reigns through them over the people.” He also stated that “the prince must be obeyed on principle, as a matter of religion and of conscience.” Those who argued otherwise were agents of evil opposed to the will of God.Louis XIV agreed strongly with these aspects of Bousseut's views, which conformed with his own ideal of himself as an absolute ruler: the so-called "Sun King." He did not, however, always follow Bousseut's preaching regarding Christian conduct and morality. Bossuet, who as a bishop also owed obedience to the pope, found himself caught by his own doctrine in a paradox in 1682, when Louis insisted on his clergy making an anti-papal declaration. Bossuet was tasked to draft the document, and attempted to make it as moderate as he could. The pope, however, declared it null and void, and Bousseut died before he could publish his defense of his views in Defensio Cleri Gallicani. In Baker’s reading, The Old Regime and the French Revolution, he goes into detail about Jacques-Benigne Bossuet’s role to King Louis XIV and his views, four characteristics...

Words: 424 - Pages: 2

Free Essay

King Lear Kingship

...“Lear manages to fail his duty as King” Evaluate this view with reference to dramatic effects – TIMED (+5 mins) Mini plan – start of the play // father hood // identity // other kingly characters In keeping with Jacobean thought, Lear is portrayed as having a divine duty to rule. This is echoed by King James belief of the divine right of the Kings, and both him and Elizabeth saw it a sin to either abdicate the throne, or divide it up – both of which Lear is guilty of. To a Christian audience therefore, he was clearly failed his divine duty in acting as “God Lieutenant” (as King James I phrased it). Whether his failure was necessary in his duty as a father or in finding his identity can be explored. The start of the play is imperative it setting up Lear’s duty and role as King. He enters the kingdom as an absolute ruler, with an air of grandeur about him, and he was highly respected – as highlighted by the fact he was referred to as “my lord” and “my liege”. His word was never challenged; it held a divine authority evident through the use of imperative such as “Attend the lords” and “Speak first”. Shakespeare deliberately, therefore offers us the perfect painting of a dutiful king. The consequential break down in society is therefore unexpected, and is summarised in the horrific irony that Lear wishes to “divide our kingdom into three” so that “future strife may be prevented”. Lear is blinded by his selfish wish to “crawl unburdened toward death” that he neglects his...

Words: 1274 - Pages: 6

Premium Essay

Advantages of Self Employment

...alone since he/she is the owner of the business ,therefore he/she decides onwhat to do with with the income received from the businessfo his/her self satisfaction without sharing with other individuals. 2.Ease of formation,The start up legal requirement ,formalities ,restrictions are few .Aself employed person needs little or no approval by the government and usually less expensive than other business organizations that their legal requirement are lengthy and expensive. 3. Quick decion making,a self employed one is favoured by quick decision making process since he/she is not tied to long prosidures as in other corporate business ,their decision and controll vested upon them for their effective and efficient management of their businesses. 4.Flexibility,a self management business is able to respond quickly to its need to its daily needs since its decisions are governed bythe owners vorios laws and better sense. 5.Effective and efficient management ,A self employed person enjos the opportuinity to decide on what to is to be done ,who to do it,and at wthat time it should be done .they are not tied to any specific time to organise,control their management activities as there is no supervision involved. 6. Freedom from corporate business taxes,Aself employed persons is taxed as an individual taxpayer and not as a Business. DISADVANTAGES OF SELF EMPLOYEMENT 1.Unlimited liability,A self employed person is personally responsible for all business debts and suffers alone when...

Words: 431 - Pages: 2

Premium Essay

Study Habits and Academic Performance of Working Students

...to live with it, believing that each day will be each step to success. Parents work hard to give the best for their children. The government offers programs and solutions to problems, for the benefit and development of the people. And as an individual, we have responsibility to help ourselves and be beneficial to others. Working students are those individuals who find ways to make things possible for themselves and to others. As we become modern, more and more students find ways to cope with the situation. Poverty, emotional problems, environment aspects and other problems are not enough reason for them to lose hope and stop dreaming. Instead it helps them become more determine in pursuing their dreams and reaching their goals. Determination and courage give them strength to overcome whatever comes their way and make it through. Working while studying helps them pay their tuition fees, buy their necessities and or if possible help their parents and siblings. And because of doing part-time jobs and or the others full-time jobs, they can afford going to college or university. It helps them gain experience needed in having self-discipline, becoming committed and responsible individual. This helps them grow more as individuals, strong and independent enough to pursue their own potentials and reach their limit. This study enables us to focus on things that are more important in life and give us more insight on the real and actual life the working students...

Words: 338 - Pages: 2

Premium Essay

Professionla Roles and Values

...As a nurse one runs into some very saddening/ maddening situations, some that cause not only the individual nurse, but the entire nursing staff to be thrown into conflict with their beliefs of non-maleficense and a patient’s right to autonomy. I always strive to never cause any harm to a patient and treat them kindly despite behaviors that could lead one to not want to act or treat someone is such a manner. Additionally I believe an individual should also have the right and be supported in making decisions about their healthcare, but when the decision is in effect, taken away from them, who has that right? When the nurse and stand staff struggle with the decision that is being made, it complicates the picture, leads to a lot of frustration and nurses feel helpless Several years ago there was an incident of a pt that received a kidney transplant, but during the immediate post operative course the patient, suffered a respiratory arrest, was anoxic for a period of time leaving the pt with anoxic brain damage. This was an individual who, prior to surgery, was a fully functional person. After time in the ICU the patient was able to be on the nursing floor; trached, unable to swallow, g-tube, very limited ability to walk, or transfer to a chair w maximal assistance of typically 2 staff members. The individual also tended, what seemed to be intentional, to try and injure nursing staff, by pinching, kicking and biting.. I was often assigned to this pt, and on several occasions...

Words: 891 - Pages: 4

Premium Essay

Project

...INTRODUCTION For an individual to better understand a particular society there is the need to first of all understand the term sense of belonging. The concept of sense of belonging may be define as the perception of similarity to others, an acknowledged interdependence with others, a willingness to maintain this interdependence by giving to or doing for others what one expects from them, and the feeling that one is part of a larger dependable and stable structure Belonging is closely linked to the concepts of identity, social groups, and communities. Because diverse experiences, backgrounds, cultures, heritages, and histories lead to unique individual experiences of belonging (or not belonging) in society, one person’s sense of belonging to a place or a people cannot readily be defined by others. Belonging to groups is the starting point of learning about roles and responsibilities and reflects choosing to identify with other members of society. Identity refers to who people feel that they are as individuals (“who I am”) and as members of groups (“who we are”). It also includes their identities in the eyes of others (for example, as they are commonly represented in the media McMillan & Chavis (1986) define sense of community as "a feeling that members have of belonging, a feeling that members matter to one another and to the group, and a shared faith that members' needs will be met through their commitment to be together. The following are how sense of belonging helps...

Words: 266 - Pages: 2

Free Essay

Effective Follower

...Kait Kurtz Management 251 Effective Followers There are many types of followers just as there are many types of leaders. A person’s behavior and personality can help to determine which category they most appropriately fall into. What we are going to focus on is followers and in particular is effective followers. How does an effective follower work and what does is it that drives them? There are five main characteristics that we are going to focus on for an effective follower and they are: dedication, independent thinker, active in the organization, self-management, and willing to take risks. Dedication is defined as the quality of being dedicated to a task or purpose, but it can also be interchanged with loyalty. An effective follower is someone who a colleague or manager can count on because they know that they will give it one hundred percent when it comes to completing a task. They tend to really believe in what they are doing and that is where the sense of dedication comes from. For example a dedicated employee would be willing to put in the long hours and extra time that it would take to complete a project. Their boss trusts that the work will not be sloppy or incomplete because their loyalty is outstanding. Dedication is very important to being an effective follower. A second important quality is being an independent thinker. In reference to the project example mentioned above an effective follower would be the person who would think outside the box for a solution...

Words: 723 - Pages: 3

Free Essay

Grid-Group Cultural Model.Doc

...has two dimensions, each a measure of sociability. Group The group dimension describes how strongly people are bonded together. At one end there are distinct and separated individuals, perhaps with common reason to be together though with less of a sense of unity and connection. At the other end, people have a connected sense of identity, relating more deeply and personally to one another. They spend more time together and have stable relationships. When people group together, then laws are more easily defined and policed. For society to survive when bonds are weaker and central control is less possible, individuals must necessarily display self-restraint. In management, low group does not manage resources, whilst high group does. Grid The grid dimension describes how different people are in the group and how they take on different roles. At one end of this spectrum people are relatively homogeneous in their abilities, work and activity and can easily interchange roles. This makes them less dependent on one another. At the other end, there are distinct roles and positions within the group with specialization and different accountability. There are also different degrees of entitlement, depending on position and there may well be a different balance of exchange between and across individuals. This makes it advantageous to share and organize together. In management, low group does not manage needs, whilst high grid does. The model The model is a two-by-two table...

Words: 1171 - Pages: 5

Premium Essay

Personal Values

...reactions. Values are also considered psychological objects that we cannot see or touch, but are considered physical objects (Posner, 2010). Types of values include ethical or moral values, personal values, or core values (Fiset, 2007). “Values, personal values, and core values all refer to the same thing” (Best of Time Management, 2008). Values are used by individuals and organizations. “Using values help individuals and organizations energize everything concerned with them. In this paper, I am going reflect how my values align (or do not align) with the values of Kudler Fine Foods and how they affect my performance. Where Values Comes From Individuals inherit values. They learn from their parents, teachers, and other influential individuals in their life. Values can reflect the values of the place where an individual live. Values may change some, but they last a lifetime (Best of Time Management, 2008). Everyone have values that determine their decisions and guide their lives. Individuals may dedicate or give up their entire life to pursue their values (Posner, 2010). My Values Implementing values as an individual can always attract success, achievement, and well being for that person. I have a lot of values I implement, but I am only going to discuss a few values that I use. Some of my values consist of the following: individuality, self reliant, truthfulness, family or friends, and goodness. Valuing my individuality helps me take responsibility; valuing my self-reliant...

Words: 870 - Pages: 4

Free Essay

The Value of the Individual

...Close Reading of the Scholarly Text The Value of the Individual Throughout the world there is a constant debate over the value and importance of an individual versus the perceived public’s greater good. In his article Yi-Fu Tuan, expresses his take on the differences between what is a community, what is a society, and what is the individual. Tuan attempts to highlight some of the less appealing qualities of a community while at the same time showing the benefits of a society and praises being an individual in today’s day and age. The strongest evidence of this point comes when he says, “Society values a human individual as it values an animal species, for its unique, nonreplicable way of being… notion that individualism is selfishness is thus wide of the mark…” (Tuan, 317) Throughout the article, Tuan states that in a community, it is more important to feel a sense of belonging than a sense of who you truly are and what you have achieved. In addition, he describes his personal loves and how he couldn’t imagine someone else having the exact same set of interests, which in his mind means that there isn’t anyone else that could have affected the world and society the same way that he has. In the middle of the article, Tuan has a passage titled “Specialized Language and Community” (Tuan, 315) in which he gives a perfect example of how actually defining the difference between community and society is not as easy as it seems. Tuan tells the story of two mathematicians who...

Words: 531 - Pages: 3

Premium Essay

Hrm Issues Based on Hofstede

...HRM Issues Based on Hofstede’s Cultural Dimensions in Ghana Alison C Holt Saint Leo University Abstract This paper will contain information concerning the challenges human resource management faces when the organization decides to go global. Human resource management faces many global issues; however, this paper will look at Hofstede’s cultural dimension theory in the comparison of Ghana and the United States. We will look at three of Hofstede’s five dimensions and see how Ghana is rated to each of the theories. The first dimension, Individualism verses collectivism, focuses on cultures in terms relationships of individuals, families and extended families (Ivancevich & Konopaske, 2013). The second dimension, Power distance, focuses on power relationships within a culture. The last dimension, Masculinity verses femininity, focuses on gender roles within culture (Ivancevich & Konopaske, 2013). In the 21st Century, many organizations have reached out into the global market due to changes in technology, economics and social responsibility. Therefore, interactions between businesses in different countries have become routine. When a company expands globally, new challenges arise due to different laws, customs and characteristics (Ivancevich & Konopaske, 2013). International laws and customs pose numerous challenges for human resource professionals, for example, HRM must supply an adequate amount of top managers with global experience, which is necessary...

Words: 808 - Pages: 4

Premium Essay

Defeating the Demons Inside: a Study on Individuals Who Have Survived the Long-Term Effects of Bullying

...Defeating the Demons Inside: A Study on Individuals Who Have Survived the Long-Term Effects of Bullying A Research Proposal Presented to Dr. Nymia P. Simbulan Department of Behavioral Sciences College of Arts and Sciences University of the Philippines Manila In Partial Fulfillment of the Requirements for the Course BS 199.1 (Qualitative Methods in Behavioral Research) Christiani Lumayag Matugas 2011-31444 April 1, 2013 I. Introduction Statement of the Problem and Review of Related Literature The school is a battle field and each child is a lone soldier trying to make his/her way through. Each child will have to defeat a series of exams, scary teachers, lab experiments, physical education classes, crushes, mortal enemies and the like. Most of the time, children will learn from these experiences and mature with the lessons that each of these experiences have taught them. However, there are certain battles that wound all too deeply and do not seem to end. These battles are the battles of bullying. What is Bullying? Bullying is a social and interpersonal problem that involves the repeated, intentional use of aggression against a less powerful other (Whitney & Smith, 1993). Bullying can take different forms, be it direct (e.g., physical aggression), indirect (e.g., exclusion, spreading rumors), or verbal (e.g., name-calling). (Hunter, Mora-Merchan and Ortega, 2004) Children who are victims of bullying are more likely than non-victims...

Words: 1957 - Pages: 8