Discussion Medical Insurance

hearthisalotfrommyfriendswhoconsiderthemselvesingoodhealth.

Thenwhentheygetsickandhavetogotourgentcare,theygetan

expensivebillinthemailfortheco-payandvisittestsalongwiththe

highcostsofantibioticsorothermedicationsforthattreatment.Yet

theystillthinkitischeaperthanpayingmonthlyforprivateinsurance

plan.Thismaybeatemporarywaytosavemoneyonmedicalexpenses

astheyarise,butitisnotafinanciallystableplaniftherewasan

accidentwhichcouldcostupto$30,000outofpocketforanERvisit

preventativehealthsuchasregularcheck-upsandvaccines,having

coveragecanimproveaccesstoqualitycareandalongerhealthierlife.

Ifyoudon’tmaketimeandinvestinyourwellness,youwillbeforced

laterinlifetopayforyourillness.Thetriangleofhealthcaredescribes

how“thethreecompetingprioritiesofhealthcaredelivery–cost,

quality,andaccess–areengagedinazero-sumgame”(VanDerGoes).

Theidealsolutionformosthealthcarefacilitiesistohaveaccesstohigh

qualitycareatalowcost.However,Itisverydifficultformost

Americanswhodonothaveaninsuranceplanthroughtheir

employmenttopayforthecostofmedicalinsuranceanddeductibles

Hunter,D.(2019).AnIronTriangleROIModelforHealth

Care.ClinicoEconomics and outcomes research : CEOR,11,335–

348.https://doi.org/10.2147/CEOR.S130623

Hoffman,C.andParadise,J.(2008),Health Insurance and Access to

Health Care in the United States.AnnalsoftheNewYorkAcademyof

Sciences,1136:149-

160.https://nyaspubs.onlinelibrary.wiley.com/doi/full/10.1196/

annals.1425.007