| Every life that would be prone to health risk | | | | offers fails to cover major luxury, |
| would definitely have a private insurance apart | | | | accommodation and emergency transportation |
| from the group and government insurances. Many | | | | and treatment cost in hospitals. It also fails to |
| countries offer concession in rate for private | | | | cover optical, dental, physiotherapy treatments. |
| health insurances encouraging the citizens to have | | | | Private health insurances assure of having control |
| a one of their own. | | | | over ones own emergency. Money would never |
| The advantages of having private health insurance | | | | constraint people from working on things. Its ones |
| over relying on Medicare and the public hospital | | | | own wish to choose hospital, doctors, period of |
| system are: | | | | application and cost too! |
| - One could enjoy luxury like TV or phone for | | | | The Role of the Individual Insurance Market |
| entertainment when bed-ridden for many days. | | | | The individual insurance market would play an |
| - Waiting time is reduced when emergencies | | | | expanded role in McCain's plan. His proposed tax |
| occur. | | | | code changes would encourage more people to |
| - Immediate treatment and appointment with | | | | purchase their own coverage and would let them |
| doctor is possible with a private health insurance. | | | | buy insurance from companies in other states. |
| - One can choose their own doctor. Many may | | | | While this would expand choices for healthy |
| wish to have family doctors for their continuous | | | | people, allowing purchases across state lines would |
| and prolonging. | | | | eventually remove consumer protections currently |
| - One can demand a private ward at their | | | | in place in some states, potentially reducing access |
| convenience. | | | | for older people and those with health problems. |
| - Couples & singles should go for private | | | | McCain has proposed to cover those with |
| insurance | | | | pre-existing conditions by expanding state high-risk |
| - More coverage | | | | pools. |
| - Low fee. | | | | Obama proposes a National Health Insurance |
| Who Benefits Most From Private Health | | | | Exchange where small businesses, self-employed |
| Insurance? | | | | individuals, and people without coverage could |
| Sometimes certain issues would be most | | | | purchase a private or public plan similar to that |
| favorable to certain persons than to others. In | | | | offered to members of Congress and federal |
| such a way, the most beneficial people from | | | | employees. |
| private health insurances are, | | | | Small businesses would be eligible for tax credits |
| - Aged People: Many situations, many relationships, | | | | to offset premium costs, and affordability for |
| and almost whole of the health condition go | | | | families would be guaranteed through premium |
| wrong at this stage of life. | | | | assistance on a sliding scale based on income. |
| - Poor Health: Persons who are health retardant | | | | Insurers could not reject applicants or charge |
| right from their childhood could go for this plan. | | | | higher premiums because of pre-existing |
| - Sports person: Sport acquainted with risk may | | | | conditions or other health risks. |
| cause risk to your health. Hence insuring privately | | | | "Senator Obama is proposing to build on the |
| would be most feasible. | | | | broadest risk pools in the system, strengthening |
| - Hi-risk activity: Other than sports, some other | | | | large employer-sponsored coverage and |
| work would have its greater affinity to risk of life. | | | | expanding Medicaid and the State Children's Health |
| E.g., Persons working with machines, chemical | | | | Insurance Program, while fixing the individual |
| factories, asbestos factories and a lot more. | | | | insurance market with consumer protections, |
| - Couples without children could go in for a private | | | | benefit standards, and income-related premium |
| health insurance, as this would be more affordable | | | | assistance," said Sara Collins, lead author of the |
| and more feasible at the In-Vitro treatment | | | | report and assistant vice president at The |
| periods. Moreover In-Vitro treatments does not | | | | Commonwealth Fund. |
| get successful in one attempt, they may require | | | | "Senator McCain's plan would shift coverage away |
| many attempts depending on the female quality. | | | | from employers to the individual market,letting |
| Hence, to cover all such issues as per our | | | | people make their own insurance choices but |
| convenience private health insurance would be | | | | potentially making coverage unaffordable or |
| needed. | | | | unavailable for those who are older or who have |
| Public system vs. Private health insurance | | | | serious health risks. |
| Public health insurance though best with lot of | | | | |