The vast number of Americans receive their medical health coverage through employment based options, private plans, Medicaid and Medicare. Since medical expenses are spiking at an alarming rate for years now, the insurance market place has invented co-pays and deductibles to transfer some of that expense to the insurance holder. You can call these additions nothing more than fancy terms for cost sharing. Even individuals covered by Medicare require supplemental health insurance since the government covers only 80% of incurred costs. An insurance deductible has you pay for health services up to the established limit before the insurance plan starts to pay. A higher deductible will carry a lower monthly premium. Insurance companies have gone so far as to offer Platinum, Gold, Silver and Bronze deductible plans. That leaves the consumer guessing which rate/deductible combination is economically the most feasible one. All of this translates into the reality that the consumer has to pay more every year for his health coverage. But in spite of the available health coverage net, about 28 millions Americans have no health care coverage at all. Some may elect not to sign up for it but by far they are individuals who lack the financial means to afford it. In a sense we have created a society where health coverage is fine if you have the ability to PAY for it but if you don’t your only option is to PRAY that you remain healthy!

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