Health Insurance Rates Skyrocketing

Medical advancements are promising longer lives, but can we afford it?  Health insurance has become so expensive that many people can no longer afford to purchase it.  As costs continue to skyrocket, many of us wonder where it will all stop.  At what point will we as a nation begin to do something about this problem?

The fact that health care costs are dizzyingly high should be enough, but the truth is that many of us really don’t understand how health insurance works.  What is a deductible and when does it reset itself?  We don’t know the differences between a PPO and an HMO, and many of us couldn’t tell you which, if either, we have.  With so many questions, there seems to be the need for some place to go for answers.

We all know about the FDA and their role in testing drugs and medical equipment before they can be released to the market.  We understand that medical practitioners need to be paid for their services to us, but we also feel like we are being taken advantage of with excessively high costs.  Insurance companies seem to make more and more money while we feel blindsided by the onslaught of new medications on the market.  And doctors keep writing prescriptions as though that will really solve the problem.

Each year, the number of new drugs approved by the FDA is astounding.  Escaping these medications is just not possible.  We are bombarded with advertisements on TV, radio, internet and billboards every way we turn.  How many new products do we need which are supposed to do basically the same thing as last year’s new product? 

While millions of Americans are slowly losing a battle to take care of their bodies both mentally and physically, the cost of health care continues to slink higher.  Somewhere along the line, we let the basic necessity of having health care slip away from us, and now we wake up to the fact that for millions, health care is not an option, therefore we don’t have it.  This fact should not be the norm for anybody.  As the ranks of the uninsured grow and become more vocal, hopefully things will start to improve.

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