Employers Should Offer Free Health Insurance, Essay Example

A standout amongst the most paramount necessities to a quality life is health insurance. Some accept this viewpoint ought to be worked for and earned while others accept this territory of living is a right and ought to be given to each citizen of the United States. As of now the country’s healthcare framework is allowed to all citizens, and everybody can be supplied with health insurance. Notwithstanding what side of the range you end up on, all can concur that this theme is worth the civil argument focused around the imperativeness of healthcare. Health insurance, wellness, and health in the workplace has been a contentious debate in the last decade for both the employees and the employers. What is clear is that businesses should be required to provide free health insurance for all employees. The benefit of having being healthy, keeping up that health, and having admittance to the health insurance to make this conceivable has been to a great degree troublesome for some Americans.

The health and wellbeing of numerous Americans have declined throughout the last few decades as the accessibility of value health insurance and health mind has dwindled because of increasing expenses and other becoming monetary concerns. There are numerous social organizations that exist to give people administrations, sponsorships, and the other direction in the continually changing social society that exists in the United States today. A hefty portion of these social organizations changes organization to foundation in what administrations, endowments, or different things that they bring to the table society. A great deal of this is reliant on geographic area, neighborhood and national money making concerns, and commitments that help support these profitable establishments. Some of these social foundations are in the presence to give welfare-based administrations, for example, sustenance stamps or nourishment storage rooms. Child welfare administrations or help with kid consideration costs, elderly support to help with lodging, medicinal, and whatever other elderly needs, and other social administrations. There are some social foundations that may additionally offer instruction and life readiness. This helps people figure out how to develop and safe-watch themselves from mischief. The declining health and wellbeing of the Americans has turned out to be monetarily determined, additionally determined by numerous other sociological variables, for example, family estimate, introduction, society, stratification and social structure.

Per the health care law, “the Obama administration said…that employers must offer health insurance to employees and their children, but will not be subject to any penalties if family coverage is unaffordable to workers.” (Pear) The law is proposed that employers must provide affordable health insurance to cover their full-time employees. The rules proposed by the government, is that employers must place money into their employee insurance except for their dependents. If the employer has over 50 employees that are classified as full time and do not offer full coverage, than they will face a penalty. The financial framework was increasing in healthcare before the subsidence of the United States. The providers of healthcare were profiting off the working American, over charging installments and deductibles. At the point when an individual is employed for a position, the first thing an employer does is to verify the new contracted gets health insurance out of the representative’s pay. Individuals now that work are offered health insurance, once you lose your employment; the laborer has lost the health insurance in light of the fact that the occupation is withdrawn.

The reasons in which businesses should provide free health insurance includes, the ability to attract and retain employees that are the most qualified. Many employees are now focusing on the type of benefits that employers provide, as the cost of caring for a family increases, jobs that offer free health care coverage are able to retain qualified candidates. Businesses can avoid assessments of health care reform. Due to the law they must comply with the mandates, if they fail they will be penalized. Unbeknownst to many is that businesses are able to gain tax advantages, as they are provider better compensation packages, and have less out-of-pocket costs that benefits the employees and organizations. More importantly employers will ensure the wellness of their employees. This has been an essential fact to preventative care in which keeps employees working and overall healthy. According to Volpp, Asch, Galvin, and Lowenstein, “Beginning in 2014, employers may use up to 30% of the total amount of employees’ health insurance premiums (50% at the discretion of the secretary of health and human services) to provide outcome-based wellness incentives.” (388)  Reasons for offering these premiums because it helps employees to cut down on preventative health conditions that includes not exercising, overeating, smoking, and other unhealthy behaviors.

One of the many reasons in which businesses need to provide health insurance to employees is due to workers not being able to make much profit to pay health insurance in light of the fact that the lowest pay permitted by law is 7.25 an hour. This also on account of the withholding of social security, Medicare, and federal taxes on each paycheck. This leaves the laborer without enough cash to pay for healthcare insurance. Then again, it also leaves the individual without enough cash to pay their home loans or their rent.The need for health insurance for employees directly correlates to the declining wellness and health of employees. According to data, health insurance now cost over $16,000 a year.(Goetzel, Pel, and Tabrizl 3) Health care is not only driven by the economy, but sociological elements such as social structure, stratification, culture, orientation, and family size.  The true negative impact of this is that this is wearing intensely on the prosperity of American social society. The development rate of maladjustment and gloom is on the ascent, and the general decrease of uniformity among Americans is on the decay too. The developing health issues approaching over the country are isolating the general public focused around convictions, standards, and physical limits.

Numerous businesses are attempting to counterbalance the expense of conveying health insurance for workers by raising the health insurance premiums and accessibility. These progressions gravely influence workers capacity to manage the cost of the increasing expenses of health insurance and keep up a decent condition of health. Research recommends that people have physiological needs and that social organizations exist to address these needs. (Goetzel, Pel, and Tabrizl 5). Employers ought not to be counterbalancing the expense of keeping their representatives healthy by pushing those expenses down on the individuals who as of now battle to bear the cost of it in the first place. Employers should help their employees with health insurance paying little mind to the expense or cut into organization benefits that it may cause. Over the long haul if employers keep on contributing to the declining accessibility of insurance, they will be confronting another and far more terrible adversary, unhealthy workers. Employee insurance ought not to be singularly reliant on the expense to the business. Unhealthy workers raise mischance and damage hazards in the business significantly. Those episodes can be decreased if executives simply get once more on track to advancing a healthy way of life and moderate health insurance for its representatives. Everybody regardless of what ought to have equivalent access to get the deterrent administrations or other restorative administrations they have to lead healthier lives and dodge handicap or even demise. Unhealthy representatives force more hazard as well as make the expenses for the business go up in numerous distinctive ways.

This pattern of wellness and health decrease in the work environment is creating some real changes to the workplace. More employers are expecting to make work regions more available for individuals with health concerns and incapacities. The objective of each social establishment ought to be a positive impact and direction of society in would like to become healthy families and a healthy social structure in the United States. There has been a becoming backing for people with health concerns and inabilities in the public eye over the recent decades. Employers need to offer free health care, according to data, “In general, if an employer drops coverage, better-paid workers will be worse off.” (Blumeberg, Buettgens, Feder, and Holahan 4) This includes those that are well compensated, and those that have been with the organization for a long time. Employers and employees lose when free health insurance is not offered. The income that employees receive does not offset the amount that has to be paid in health insurance, not included the time off from work for doctor visits for preventive conditions. On the off chance that numerous Americans had admittance to great health insurance and health mind numerous health concerns could be decreased if not disposed of. As health care and technological developments develop the expense of health insurance becomes too. With the ascent of technology comes more money, and with that comes more debasement and false exercises. This has constrained numerous individuals into destitution, poor living conditions, less manageable salary. Employers should do their part to helping with the overall health and wellness of their employees. When employees are healthy and well they are able to be more productive, and help the organization become more profitable. This is an asset to the organization and to the employees as they will not have to worry about paying out of pocket costs for health care.

Works Cited

Blumberg, Linda, Buettgens, Matthew, Feder, Judy, Holahan, John. “Why Employers Will Continue to Provide Health Insurance: The Impact of the Affordable Care Act.” Timely Analysis of Immediate Health Policy Issues. October 2011. Web. 20 November 2014. http://www.urban.org/UploadedPDF/412428-The-Impact-of-the-Affordable-Care-Act.pdf

Goetzel, Ron Z., Xiaofei, Pei, Tabrizi, Maryam J., Henke, Rachel M., Kowlessar, Niranjana, Nelson, Craig F., Metz, R. Douguls. “Ten Modifable Health Risk Factors Are Linked To More Than One-Fifth of Employer-Employee Health Care Spending.” Health Affairs 31, No.11 2012. Print. Pg. 2474-2484.

Pear, Robert. “Employers Must Offer Family Care, Affordable or Not.” The New York Times. 31 December 2012. Web. 20 November 2014. http://www.nytimes.com/2013/01/01/health/employers-must-offer-family-health-care-affordable-or-not-administration-says.html?_r=0

Volpp, Kevin G. et al. “Redesigning Employee Health Incentives — Lessons from Behavioral Economics.” The New England journal of medicine 365.5 (2011): 388–390. PMC. Web. 21 Nov. 2014.