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Some Americans avoid costly medical bills by not cooperating, and it's at their own health's expense. For example, some people don't go to regular check-ups, or don't pick up prescriptions. This can lead to lasting effects, and even more costs down the road.

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"That means they were either uninsured (9%), had a gap in their coverage over the previous year (11%) or were insured all year but were 'underinsured,' which Commonwealth defines as having coverage that still didn’t provide affordable access to health care (23%)." (pewtrusts.org)

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Insurance is not guaranteed for all.  "43% of working-age adults were inadequately insured" (pewtrusts.org).

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Argument: Healthcare costs in America are too expensive, especially for the average American.

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Argument: Healthcare costs in America are too expensive, especially for the average American.

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Administrative costs at hospitals on top of your medical bill. Another would be medicine prescriptions, especially if you get them often. Potential treatment options. Regular check up's with your local physician.

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While America does offer more screening/better technology to detect certain diseases early, can this be offered to everybody without having to pay a crazy amount? These screenings could offer early detection, which could prevent higher costs later down the road (avoiding surgeries or costly procedures if something is caught early).

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"The Affordable Care Act requires insurance plans to provide specified benefits, but it doesn’t eliminate the copays and deductibles that patients must pay." (pewtrusts.org)

This Act does take off a bit of pressure, but how much do these benefits actually help people? What would really help is to minimize costs overall and if anything, make health insurance more accessible to lower-income families.

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Insurance companies require a lot of money, just to be an enrollee. For those a part of low-income families, this may be a hard decision to make, whether or not to be a part of healthcare insurance. Those who are a part of low-income families are susceptible to more disease and illness, simply because they do not have access to healthcare insurance.

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Chronic illnesses, like obesity for example, could be avoided by many people. The United States has the highest number of obesity rates than anywhere else in the world. Why? Because many people promote the opposite of eating healthy to maintain a healthy weight. Many people oversee the idea that obesity is a dangerous disease, rather they support people's lifestyle when it comes to food. Preventative measures should be put in place more to promote healthier food options not only to make individuals healthy, but to PREVENT chronic diseases like obesity. When an individual becomes obese, they put themselves in a hard position to have no other option in treatment plans. Many people who are obese, cannot afford these various forms of treatment, so they are forced to either live with obesity or be in medical debt. The US healthcare system almost makes it hard for people to enroll in their programs, simply because they are not appealing to all populations.

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Quality of healthcare:  Can this justify the costs??

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Quality of healthcare:  Can this justify the costs??

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Some may argue that the quality of healthcare in America is the best in comparison to any other country in the world.  We have advanced technologies and equipment and we have made advancements in vaccine development.  Yet, as seen with the pandemic of COVID-19, the U.S. could barely keep up with the number of beds in hospitals or ventilators available to patients.  Nobody is ever prepared enough for a pandemic, but with the amount of money people put into insurance companies, they should expect to at least be taken cared of without crazy medical bills.

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What an individual pays for until it actually kicks in:

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What an individual pays for until it actually kicks in:

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Premiums, co-pays, and you have to reach a certain amount for your deductible, and then insurance will come in and provide their services.  But even then, insurance companies will only cover around 70% to 80% of medical costs.  Everything outside of the 70% to 80% is out of pocket costs.