Although there are various impacts a community face due to the high cost of health care, the civil government is inundated to make healthcare more affordable because every community member deserves access to medical care regardless of his/her social status. The affordability and accessibility of health care depend on the political structures and legislation initiated by the local government of a particular state. Many are the citizens in the United States communities who experience significant challenges due to the high cost of health care having that 18 % of the United States elderly has no insurance covered, and 70% of the population are poor and uninsured (Institute of Research Poverty, 2012). The statistics come down to community level. Also, according to Lenard Davis Institute of Health Economics (2018), the difficulty in acquiring and accessing affordable health care is as a result of high deductibles that discourages the urban communities from seeking healthcare and erosion of wages among urban communities' members due to increasing health insurance premiums or lack of insurance. The urban political conventions control factors affecting the affordability and accessibility of health care in the community. Nevertheless, the middle class and the poor are the ones who feel the hash effects of unaffordable medical care in urban centers. The health care reforms are system and structures aiming at promoting affordable health care in urban communities. Health care affordability is the ability of the citizen to afford and access health services with minimum struggle, and lack of it poses a threat to the public. Although the issue on the issue of unaffordable health care has been in urban communities for decades, many urban political leaders have proposed different effective ways of making care more affordable.
Lack of affordable health care provokes negative impacts to urban citizens. Most citizens in urban communities are prone to suffer the effects of unaffordable health care, the poor and the most vulnerable. In an event where the urban government fails to intervene in controlling and mitigating the health care expenses, the urban public is liable to suffer drawbacks. To begin with, the high cost of health care in urban communities increases the chances of the poor and working class to succumb medical bankruptcy. According to the Kaiser Family Foundation (2015), there were over one million adult people who declared medical bankrupt in the year. This was because of unpaid credit card debts and mortgage default as a result of increased cost and accessibility of health care. Also, almost 30% of the affected persons maxed out their credits cards and up to 8%succumb to bankruptcy due to sickness costs loss of their jobs in as much as most of them had insurance cover (Mangan, 2013). All these statics in the United States narrows down to the urban communities.
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Moreover, the lack of affordable health care threatens the economic security of the middle class and the poor in urban communities. The constant rising of health care prices may have an impact on that middle-class population just in case the urban political government doesn't intervene and mitigate the situation. An estimation has it that, up to 47 % of persons aged between 56 and 62 including 41 %of middle-income class people in this aged ground are at high risk of failing to pay their medical expense (Komisar, 2013). This is possibly due to the inability to fully fund the basic living expresses plus medical fees. Furthermore, among other threatening effects of the high cost of medical care are; slow growth of middle-class wages and wastage of resources due to the overpricing of services. It is estimated that the overpricing of antibiotics wastes up to $210 each year in the United States (Komisar, 2013). However, the government can put in measures to settle the high cost of health care.
The urban government can employ some measure and practices to make health care more affordable. First, the civil government can reduce health insurance premiums. The latter is practical where the civil government can fund cost-sharing subsidies and provide federal funding for reinsurance (Cassidy, 2018). Giving subsidies and reinsurance of companies lowers the price of health care hence making it affordable. Moreover, the government can make healthcare more affordable is through ending monopolies by increasing competition. Mergers increase the cost of healthcare due to lack of competition. An annual health care expenditure increased by almost one trillion dollars between 19 and 2013(Cassidy, 2018). This was majorly due to the monopoly by insurances and healthcare firms. However, the government can reduce the cost of health care by investing in insurance and health in the care system and consequently offer relatively cheap services. This action will be convenient in promoting affordable health care having that.
For this, it is essential for every urban citizen to have affordable medical care regardless of their social status. Many negative impacts accrue as are a result of unaffordable medical care for instance wastage of public resources in urban communities. The urban government should see to it that it employs measure to make healthcare cheaper and accessible by every individual. Every person is entitled to a decent, quality and affordable health care; no one deserves to settle for less.
References
Cassidy, Bill. "Ideas To Make Health Care More Affordable Again." (2018). <https://www.cassidy.senate.gov/imo/media/doc/Dr%20Bill%20Cassidy%20-%20Make%20Health%20Care%20Affordable%20Again.pdf>.
ECONOMICS, LENARD DAVIS INSTITUTE OF HEALTH. "WHAT IS "AFFORDABLE" HEALTH CARE." Penn LDI (2018): 1-8. <https://ldi.upenn.edu/sites/default/files/pdf/Penn%20LDI%20and%20USofC%20Affordability%20Issue%20Brief_Final.pdf>.
Komisar, Harriet. "The Effects of Rising Health Care Cost on The middle-Class Economic security." (2013). <https://www.aarp.org/content/dam/aarp/research/public_policy_institute/security/2013/impact-of-rising-healthcare-costs-AARP-ppi-sec.pdf>.
Mangan, Dan. CNBC . 25 JUNE 2013. <https://www.cnbc.com/id/100840148>.
POVERTY, INSTITUTE OF RESEARCH. "Poor and in Poor Health." INSTITUTE OF RESEARCH POVERTY (2012): 3. <https://www.irp.wisc.edu/publications/factsheets/pdfs/PoorInPoorHealth.pdf>.
