Rising exposure to high costs of health care is threatening the well being of American families since it is making it very difficult for small employers to continue providing comprehensible benefits to their employees. That is because; in America the employees are, usually, covered by their employers in their insurance premiums. By that, it will become so difficult for the small organizations employees to access health care since they are not covered. That is seen by the rising number of uncovered or uninsured Americans citizen over the past five years due to lack of employer based coverage.
More so, the workers who are not entitled to employers insurance benefits are, usually, allowed to buy their individual covering but due to the rising cost of health care, only a few are able to buy themselves a cover. That is because the insurers find it very expensive to cover an individual and their family hence greatly increasing the cost of the individual coverage. Besides, the increasing cost of young healthy people insurance makes most of the young people to remain uncovered and that makes them unable to receive quality health services.
In addition to this, the federal policy makers are encouraging people to save so that they can afford a medical insurance cover. That makes the people who are not employed and has nothing to save are not able to get an insurance cover and that makes them and their families unable to access health facilities and even most of them die since they cannot be able to pay health practitioners to attend to them.