Health Insurance Affects A Person Health Care Act

For as long as I can remember it has always been essential for cars to be insured, but not always has the human body required health insurance. This topic has always sparked interest to me because us as human beings are far more worthy than cars, at least I would say. So when President Obama passed the â€Å"Affordable Health Care Act† in 2010, I was firmly in favor. Health insurance covers cost of medical expenses and surgical expenses for insured individuals. Which can only be helpful in any situation versus harmful. Although, health insurance can be very costly it is worth it. Nothing is more important than your health. Health Insurance affects a person health care because if you don’t have the access you need to being healthy, that creates†¦show more content†¦A person who is uninsured may require care or a follow-up and if it’s not an emergency that can most certainly be denied in an emergency setting. Health insurance helps individuals prevent preexisting health conditions from worsen. An individual with an existing health condition and no health insurance could face many problems. This could avoid them from working, it could flood them with fiscal and financial burdens due to medical expenses. Having health insurance is a major key to living because your health affects your quality of life. Health Insurance has evolved tremendously since the first type of insurance plan was developed in America. Accident insurance was the first type developed during the civil war which covered people in accidents traveling by rail road or steamboat during the Civil War. Short after accident insurance was offered, disability and workers compensation was offered to pay for those who could not work, injured during work, or diseases, but still excluded pay for medical expenses. So during this time period which was the early 1800s to late 1900s anyone receiving health care was expected to pay out of pocket for medical expenses. This was thought of as the fee for service payment method. Shortly after the Great Depression took place this placed a great burden on hospital funding and patient’s financial ability to afford health care. The first hospital insurance plan was created