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HEALTH INSURANCE POLICY PROCEDURE Name: Institution: Date:

Introduction Many families are unable to afford the high cost of health insurance. These families are living without essential provision of good health. The American citizens when they visit hospital and are diagnosed with major illnesses, are hampered with a huge debt, they are left with worry and pain of figuring out how to pay it. This issue still remains part of a huge political debate in the government. The increasing insurance cost has even affected organizations and private sectors where lesser of these organizations are offering health insurance to their employees. It is the citizens who are left to suffer (WHO 2012). Problem Analysis 47 million Americans have no health insurance coverage, which would account for around 18,000 premature deaths per year (Robinson 2007). United States hast the highest spending in the world yet, among the 30 nations that make up Organization for Economic Co-Operation and Development (OECD), United States on most health indicators ranks near bottom
(Robinson 2007). Health Provision is the primary goal for any hospital. This paper seeks to design a policy and procedure that can be implemented in hospital to address this issue. According to a federal report on health care quality released in July 2012, The 2011 State Snapshots report based on key health indicators such as cancer rates, early childhood care, elderly care, infant mortality, disease prevention and mortality rate in States such as Mississippi and Texas ranked poorly. The main cause for this poor health performance in these states was linked to the high costs of health insurance (WHO, 2012). According to the U.S. census Bureau released in 2011, based of the 2010 data, statistics shows that the

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