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Medical Insurance Essay, Research Paper


The initial idea of medical insurance should have been a good idea as a way of

helping Americans afford medical bills in a case of emergency or just routine physicals

and check-ups. A lot of lower class Americans could not afford the treatment and would

therefore go without medical attention in both of these cases. In cases of emergency, they

would usually be put in to collection because they could not pay the bills after the

treatment. The government decided to set a plan to have humans insured, just like

automobiles, to supposedly make medical treatment available to all people – high, middle,

or low class. This should have been a good idea…however, I believe that it has only made

things less affordable.

By making this plan for insurance on human health, the insurance agencies are

making trillions upon trillions of dollars on people who would usually skip going to the

doctor for a common cold. Initially, the insurance policies were made to help in

emergency situations for people who had a broken a leg, or had to have major surgery and

could not afford the price of high-technology treatment. The insurance would have made

the customer pay about fifty dollars a month out of they?re hard-earned money whether

they were going to use it or not, for medical treatment. Still, the insurance did not cover

all of the expenses even though the customer is shelling out thousands of dollars,

sometimes for nothing. It is just another way for a large insurance business to make

people believe that they need to insure their own health, like they were a possession or an

item. Now people are paying for insurance that they seldom use, but feel better because

the business has made them believe that they cannot and will not live without medical


Another bad result of medical insurance is that it has turned the entire field of

medicine in to a financial playground of human life. Doctors are supposed to treat all

patients equally, as opposed to treating only those with insurance first, no matter what the

circumstance. People who cannot afford health insurance or are not offered the option by

their jobs are usually facing the problems of the prices that are now raised as a result of

the entire insurance idea. Not only is health insurance making the doctors care less about

their patients, it is also raising the prices higher on already outrageous medical bills.

In conclusion, I believe that the medical insurance idea is argumentive, because

there are a lot of repercussions that people may or may not have thought about. The

insurance companies are benifiting immensely, but are we? The prices of medical

treatments are rising, the doctor?s attention to actual patients as opposed to who has

insurance is diminishing, and less people are benefiting from health insurance. I do not

think that medical insurance should have been proposed in the first place. I do admit that

it should have been a benifit to Americans, but I have yet to see everyone benifit as

innitialy planned.

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