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Thursday, May 25, 2006

Poor students go without: health insurance

Young adulthood, the age at which students usually begin college, is one of the principal stages of life at which people are unable to find health coverage. Some young people join the ranks of the uninsured when they are mechanically cut from their parents' insurance plans upon turning 19. More usually, young adults are allowable to retain coverage under their parents' health plans on the condition that they stay full-time students. Individuals who knowledge any interruptions in their education, as well as students who go to school part-time while working to support them, often find their medical coverage ended. Furthermore, many fresh college graduates storm up uninsured when they are unable to find work upon final their educations. In fact, a study by the Commonwealth Fund, a nonpartisan base that conducts research examining our healthcare system, found that two of five graduates would become uninsured within a year of completing college.
What's worse is that uninsured individuals tend to postpone medical care when they first get sick, hoping to get well on their own and save the major operating expense of treatment. Unfortunately, left unchecked, their circumstances frequently worsen, leaving them with a higher illness that costs far more to treat and presents greater risk of grave complications than it would have if nipped at an earlier stage.
Universal health coverage for all Americans will eliminate many of the tribulations facing the uninsured today. It would spare millions of currently uninsured college students, children, senior citizens and effective adults the dangers of bankruptcy, extended illness and untimely death caused by lack of access to reasonable healthcare. It also would bail out hospital systems at present strained to the brink of financial catastrophe by uninsured patients not capable to pay their bills. It will even help to reverse the current trend of outsourcing American jobs to countries with universal health care coverage, like Canada, where employers don't have to pay medical benefit premiums. In short, universal health coverage will provide benefits to all Americans, including those who presently have private insurance plans, and will ensure that no one in our great country has to go without medical care.

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