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Essay / Research Paper Abstract
This 15 page paper examines the issue of health insurance and what employers have done to keep down costs. Legal aspects are discussed. Cost sharing measures, inclusive of the use of HSAs, is included. Bibliography lists 7 sources.
Page Count:
15 pages (~225 words per page)
File: RT13_SA644hi.rtf
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Unformatted sample text from the term paper:
retirees as well as for current employees and their dependents (Weatherly, 2004). This does not seem to be problematic on the surface, but it is a big problem. Although it
is generally thought to be an ordinary thing to expect an employer to pick up the tab for health insurance, that is simply a model on which the people have
come to rely. It is only labor law and regulations that render all businesses give all employees the same health care packages. This model has created a society where people
are dependent upon their employers for their health coverage. This has changed things in the business world. People try to get secure jobs so that they can get affordable health
insurance. The alternative is to pay exorbitant premiums or be one of the many uninsured Americans. Today, health insurance is the employers responsibility due to labor law and the
capitalist system that the United States employs. Other nations have government controlled health care, and many believe it is time for government to step in, in America. After all, under
this system that boasts perhaps the best health care offerings in the world, there are many people who are uninsured or underinsured. Benefits seem to be deteriorating as premiums increase
and many believe that the nation is experiencing a health care crisis. Health policy analysis is important too. The system is often criticized due to its high cost and the
fact that people often cannot afford health insurance to begin with. This clogs emergency rooms with people who cannot afford cursory or preventative care. The system has also been criticized
due to the rise of HMOs that provide consumers with fewer choices. With all of the controversy, it seems that economists can and should play a significant role in creating
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