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What factors prevent US citizens from obtaining health care on their own?

Personal note: I'm self-employed, and I have a pre-existing condition that required expensive attention...I found a job with excellent benefits with very little effort and I'm insured now. I work for myself and for an employer.
Jose, my employer is a hospital..if it goes belly up, I'll work for a different hospital.
Vaughn, nice answer/explanation. I have a Master's degree, to answer your question..and demand is high for my work.
jkhawaja...very nice explanation too, thanks.
Alex R...I'm a private contractor, and would rather not be more specific in this arena.
mm, people who are disabled not only have their healthcare paid for by the government, but also are eligible for social security payments, regardless of what they've paid in. One example, children's family's receive payments for Attention Deficit Hyperactivity Disorder.

Asked By: Yahoo Answer Angel - 9/18/2007
Best Answer - Chosen by Asker
It really depends upon what demographic you belong to. For example:

Hispanics
Hispanics lack health insurance primarily because they work for employers that do not offer coverage or are in jobs not
covered by their firm’s health plan.

Poor
Price is the single greatest barrier to enrolling low-income workers in employer-sponsored health insurance.

Immigrants
Findings suggest that fear of deportation continues to be associated with receiving public health benefits, despite recent INS guidance stating that use of non-cash public benefits does not effect immigration status. Other barriers to health insurance include the complexity and the lack of translation of outreach, application, and redetermination materials, the lack of bilingual outreach workers, and the stigma of receiving public assistance.

Immigrant Children
Fear of jeopardizing immigration status. Many immigrants fear that if they access public health insurance for their children, they will be categorized as "public charges" by the federal government and refused lawful permanent residency. Although the government has clarified that use of Medicaid or SCHIP will not result in public charge determinations, about three-quarters of low-income immigrants continue to believe there may be negative repercussions if they use public benefits.
Language and cultural barriers. A recent study found that low-income, noncitizen immigrants who primarily spoke Spanish were less likely to have insurance coverage for their children or themselves than similar noncitizen immigrants who spoke English. Language and cultural barriers make it difficult for parents to learn about public insurance programs, complete applications, or obtain high-quality jobs that offer health benefits. In addition, health insurance may be an unfamiliar concept to immigrants from countries with universal or state-run health care systems.

Disabled
“Americans with disabilities face a number of distinct barriers in obtaining, maintaining, and using health insurance and in accessing and using health care services. At the same time, Americans with disabilities also confront the barriers, problems, and frustrations with which most Americans routinely struggle in the insurance and health care systems." (National Council on Disability released its 2001 annual National Disability Policy: A Progress Report, on July 26, 2002.)

This is a very complex topic that requires substantial research. what I have provided you only scratches the surface. I haven't even mentioned healthcare access for rural communities, educational issues, risk/reward perceptions, etc.
Answered By: jkhawaja - 9/18/2007
Additional Answers ()
Being too lazy to work and e********y to pay for health care themselves.
Answered By: Chris Cross Christ - 9/18/2007
It is very expensive to have your own health care and since most work for a wage, most cannot afford it.
Answered By: PeguinBackPacker - 9/18/2007
The number one factor is it is illegal to sell health care insurance across state lines. Democrats are against changing the law.

In a many states, quality health insurance is affordable. In many states, good private healthcare insurance only costs around $100 a month. The problem is old insurance laws block the insurance from being sold from state to state. That stifles competition. Consumers should be allowed to purchase insurance directly from HMO's with no middlemen involved.

President Bush Delivers State of the Union Address,
"Allow Health Insurance to be Purchased Across State Lines "
http://www.whitehouse.gov/stateoftheunion/2006/healthcare/
Reforming Health Care for the 21st Century

"Why can't people buy health insurance over state lines?"
http://answers.yahoo.com/question/index;_ylt=Ao0eomAKXMcJAyprF3hnaMTty6IX?qid=20070813004202AA9jlt0
Answered By: a_bush_family_member - 9/18/2007
You nailed it on the head I think, I have pre-exisiting conditions that prevent me from being able to buy coverage directly from insurance companies but my my job provides excellent benefits that I am able to buy without being denied.
Answered By: roadhazzards - 9/18/2007
Money. There are many employers who do not provide health care. Some of the ones who provide health care do not cover everything and or the employer contribute only certain ?At twice the minimum wage you can't still afford health care even if the employer contributes 50?f the cost. Not to mention that if your employer goes belly up then what will be your heroic story?
Answered By: Jose R - 9/18/2007
I'm glad you found a job with excellent benefits with little effort. Out of curiosity, what's your past job experience and your education level?

Someone who had to drop out of high school to work to support their family after their dad died or left, for example, may not find a job with benefits as easily as did you. A lot of employers over the last decade have been seriously laying off full-time workers and filling their positions with two part-time workers, each of whom is allowed to work no more than the amount of weekly hours needed for the employer to NOT pay benefits. People in these jobs often will take a second part time job, and end up working 60 hour weeks with no benefits.

They take the job they can because they need to pay for food, for rent. That eats into the time they would have to look for another job--time off is money, and the threat of losing one's position. Say you're earning $800/month, as I was 5 years ago. Around here, the cheapest apartment I could get into (and it was in a dangerous neighborhood) was about $450/month. Add $50/month for gas, if I was conservative. Luckily, I'd bought an old clunker that required no car payments, but let's say it broke down--even to buy a used car, I'd need about $100/mo car payments. Let's not forget electricity and basic telephone service--about $100 for that. And then there's a little thing called eating.

The cheapest health insurance I could find for myself was $150/month. AND, in my state, it would not cover any pre-existing conditions. . When I got a full-time position, I was amazed that pre-existing conditions were covered.

That's cutting things awfully close. Imagine someone with a wife and two children, especially if the children are of an age that child care would cost more than she could earn, so she might as well take care of the children? In my case, I didn't have that problem. But if ANYTHING big went wrong--an accident, a health crisis--I would have ended up homeless. I'm just lucky I did not.
Answered By: Vaughn - 9/18/2007
#1 reason... ignorance of the real need for it.
Answered By: Meerkats'R'Us - 9/18/2007
You have it tough with your conditions that you have to work two jobs just to have health insurance, what is your self-employed job, by the way?

Anyway, the answer to your question is that it's often an issue of being able to afford it, which for most people is near impossible that they have to take the employer's insurance plans even if it's company they don't like. Needless to say, you wouldn't have health insurance if you didn't have a job to begin with, that much is certain.

However, sometimes cost isn't the problem. While there are certain medical conditions that you can't help, there are others like obesity that you can fix that health insurance companies, especially these days are getting serious about. Because of increasing health care costs, if you have a self-repairable condition that they don't like, they will reject your application. I'm sorry to say that this is also an increasing problem for workers that now employers are having to use this a determination upon how much an employee's pay gets deducted each paycheck, if they even are allowed to get company health insurance at all.

The main thing is, health care costs start with what is free, the personal responsibility to take care of yourself, or otherwise you will have a broken arm for the rest of your life (even after it's healed).
Answered By: Alex R - 9/18/2007
I can understand a family of like 9 with no health care/insurance

but a single person? thats ridiculous.
Answered By: ♥Jahpson - 9/18/2007
My friend has a health condition and the only job she has found at this point is working for her friend (her friend is just being kind to her) for about 15 hours a week, no benefits of course.

her memory is so bad from her illness, she can't hold on to a job anymore.
she will not give up her home to get assistance. she lives on what she has left on credit cards and some savings.

i don't know what someone in this condition can do.
she does not have enough credits for SS benefits.

she was married for 21 years and her husband left for a younger woman right after she became ill.
the husband quit his job so that he would not be responsible for her illness with insurance.

she has applied from everything from house cleaning to hospital work, she use to work in a hospital too.

not everyone has such a happy ending.

who wants to give someone a responsible job if you can't remember what you were told 30 minutes earlier?

so, that's one answer.
Answered By: m m - 9/18/2007
I know people that would rather have a new car than pay for health insurance. Maybe people should examine their priorities.
Answered By: paultewing - 9/18/2007
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Six Ways to Make a Recruiter Hate You
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Rev Up Your Resume to Relocate
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100 Potential Interview Questions
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November Monster Employment Index Grows 13% Year-Over-Year, Tenth Consecutive Month of Positive Annual Growth.

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