health insurance in the United States

I do not know whether to laugh or cry when I hear praise from wondering about the American health care system, voiced by those who have been or are about this issue rather vague idea, or the level of drug in the United States with the availability of medical services. Here we are dealing with such logic: the American system is a system of private and semi-free market, so there is no waste in it, fund lazy, DISTRIBUTION Robinhood-style communist citizens require hard work, and provide the welfare darmozjadom. Employment, obtain, buy insurance for themselves and families. Simple, right?

Both simple and true.

As you know, America is the only highly developed countries in the world, which does not offer its citizens universal health care. Seems to ensure that the majority of Americans by their employer, their own pay from his pocket, only a small portion of the premium. Retired more than 65 years old and disabled people eligible for Medicare - the government program for parents or receiving disability benefits. Also operates other government programs - Medicaid - for the poor, but that he was eligible, you must have an embarrassing low level of income.

So what's with all the others - the people who work alone or small businesses do not offer insurance? For those who just lost their jobs, and with it the health insurance programs and do not get COBRA? Or those who are poor as church mice, although harują as God commands?

In theory, anyone can buy private insurance on the open market. Unfortunately, private plans are not just out of reach financially for many families with average incomes, but they are also generally available for people with a history of serious illnesses like heart disease, diabetes, cancer, yet again. Insurance companies can legally discriminate in the United States and refuse to sell insurance for five-year trainee before he used antidepressants or Lipitor. Only five states, including New York and New Jersey, prohibit such discrimination - the insurance company must sell private health insurance to anyone without a pre-existing conditions, but all for a very high price ($ 2,000-4,000 per month for one family).

Even now have insurance, and so there is no guarantee that the insurance company will cover medical expenses. Many insurance companies will do everything to find a reason for failure to pay the bills. Weird? Not at all, because the model operates on the principle of conflict of interests - insurance companies for treatment and patients' interests, and shareholders, but unfortunately, exclude one another, and easy to guess who is "above".

Sam always looked after the insurance as the eyes in his head, but when the pain got a bill for 100, 200, 300 thousand. dollars. This amount is to play for a few weeks stay in the hospital and continue treatment for several months a few years ago (now probably more than twice as much). I was the sixth chemical, barely, and I stood on my feet I'm writing again appealing to the insurance company to pay the struggle to stay in the hospital.

And on Christmas Eve I got a call from a young woman from the insurance company that the "regret" told me that the policy was canceled because the company has received information that we have other insurance plans. What is not true, but not afraid to get hurt - and what if the perpetrator to confess something and succeed in all the "problems" to encourage the insurance?

I can pull this list of horror, but why.

I am not interested in the government seat pan. Did not benefit from disability benefits even when I was with one foot in the world and it belonged to me like a dog cage. Also be reconciled with the fact that resistance to the introduction of a single payer health care or universal health care system in the U.S. is so great (a strong insurance lobby and the pharmaceutical companies and doctors) that you need to type "fanaberiach" civilization, unfortunately, forget it. But it must be really fertile imagination to the status quo would be considered good.

Obama's plan seems reasonable and feasible compromise - do not remove the system where most people obtain insurance through the company, but other possible participation in the government equal to that enjoyed by Congress. Whatever the history of the disease and at a price that does not damage the person who obtained the national average. Small steps forward.

McCain health plan - oh well, McCain is not in this case each plan, if you do not expect a proposal for insurance premiums paid by the employer, currently treated as taxable gains are taxed the same way as other income. At New York the amount of insurance premium such as this may be around $ 600-800 per month per person with group plans, which means additional income tax on the amount - a few thousand dollars per year. Instead, McCain wants to give each person a small tax deduction (tax credit) of $ 5,000 per family or $ 2,500 per person, which will encourage insurance to buy private insurance.

Like the fair, because everyone will be treated the same - but what do I care? Who cares for pre-existing condition and that if I wanted to personally insured in Florida or California, I was treated like a pariah? On the subject, McCain's plan there are no words. For me and all the people who get insurance through the company, the plan McCain = higher taxes, and nothing else