The Uninsured Population and Health CoverageThe Issue of the Uninsured The uninsured population refers to individuals who lack health insurance coverage. This group is diverse and includes people from various backgrounds, ages, and socioeconomic statuses. Being uninsured can significantly impact an individual’s health and well-being, as it often results in delayed or foregone medical care due to cost concerns.Causes of Lack of Insurance Several factors contribute to the lack of health insurance among certain populations. These include: – Economic constraints: High premiums and deductibles can make health insurance unaffordable for low-income individuals and families. – Employment status: Many employers, especially small businesses, do not offer health insurance to their employees. – Pre-existing conditions: Before the Affordable Care Act (ACA), individuals with pre-existing health conditions could be denied coverage or charged higher premiums. – Immigration status: Undocumented immigrants often face barriers to accessing health insurance.Consequences of Being Uninsured The consequences of lacking health insurance are far-reaching and can have serious implications for individuals and society as a whole. Some key consequences include: – Delayed care: Without insurance, individuals may postpone seeking medical care, leading to more severe health problems over time. – Financial burden: Medical bills can lead to significant financial strain, potentially resulting in bankruptcy. – Health disparities: The uninsured are more likely to experience poor health outcomes and have higher mortality rates compared to their insured counterparts. – Economic impact: The cost of uncompensated care falls on hospitals, taxpayers, and the insured population, increasing healthcare costs overall.Health Coverage Solutions To address the issue of the uninsured, various solutions have been proposed and implemented: – Affordable Care Act (ACA): Expanded Medicaid eligibility, allowed young adults to stay on parental insurance until age 26, and prohibited denial of coverage based on pre-existing conditions. – Medicaid expansion: States have the option to expand Medicaid to cover more low-income individuals. – Health Insurance Marketplaces: Provide a platform for individuals and small businesses to purchase health insurance plans. – Employer-sponsored insurance: Encouraging employers to offer health insurance as a benefit to their employees. – Community health centers: Offer primary care services to underserved populations, including the uninsured.Addressing the complex issue of the uninsured population requires a multifaceted approach that includes policy reforms, public health initiatives, and community engagement. By understanding the causes and consequences of lacking health insurance, we can work towards achieving more equitable and comprehensive health coverage for all.

by | Dec 31, 2025 | Care, Insurance

The US health coverage system is fragmented, leading to gaps in coverage for many individuals. Employer-based insurance is the primary source of coverage for people aged 0-64, but not all workers are offered coverage or can afford it. Medicaid covers many low-income...
On October 8, 2025, insurance agents and associations are likely to raise the issue of Goods and Services Tax (GST) with the Insurance Regulatory and Development Authority of India (IRDAI) and the Finance Ministry.

On October 8, 2025, insurance agents and associations are likely to raise the issue of Goods and Services Tax (GST) with the Insurance Regulatory and Development Authority of India (IRDAI) and the Finance Ministry.

by | Dec 30, 2025 | Aditya Birla, Care, ICICI Lombard, Insurance, LIC, New India Assurance, Niva Bupa, Tata AIA, United India Insurance

The insurance industry in India is facing a significant issue related to the Goods and Services Tax (GST) and Input Tax Credit (ITC). Private insurers have reduced distributor payouts by 15-18% to offset the loss of ITC, following the GST exemption on life and health...

Help desk opens for expatriate Keralites

by | Dec 29, 2025 | Care, Insurance

The Department of Non-Resident Keralites Affairs (NORKA ROOTS) has launched a registration help desk to support expatriate Keralites in enrolling for the NORKA CARE health insurance scheme. The help desk, located at the NORKA ROOTS headquarters, aims to provide...