Why are so many people uninsured and underinsured

Introduction

Many Americans are still confronting medical bills that are large enough to threaten their family financial health, up to and including personal bankruptcy. While more people have health insurance under the ACA, some people still lack coverage or have significant gaps in coverage for a variety of reasons. Some expenses are related to the high cost of treatments for certain diseases and conditions. Other expenses are related to the “routine” costs associated with insurance premiums and cost sharing for covered benefits.

Initial Post

Using 500 to 750 words, complete the following:

• Analyze the major current contributors to insurance coverage gaps (no coverage and gaps in coverage).

Grading Rubric

Discussion Rubric

Discussion Rubric – 100 PointsCriteriaExceeds ExpectationsMeets ExpectationsNeeds ImprovementInadequatePointsFrequency of ContributionInitial post with two peer replies posted on two separate days.

25 pointsInitial post with two peer replies posted on the same day.

22 pointsInitial post with one peer reply.

19 pointsOnly initial post submitted or only replied to peers.

17 points25Initial PostInitial post to is on time and of the correct length (500–750 words).

All components of the initial post requirements are addressed.

Course content synthesis is applied with at least two scholarly references included.

25 pointsInitial post is on time and of the correct length (500–750 words).

Most components of the initial post requirements are addressed.

Synthesis is present but weak.

One to two references are included.

22 pointsInitial post is one day late.

Does not meet the correct length (500–750 words).

Some components of the initial post requirements are addressed.

Synthesis?

One to two references are included.

19 pointsInitial post is more than one day late.

Initial post much fewer than 500-750 words.

Few components of the initial post requirements are addressed.

Lacks course content synthesis.

One or no scholarly references are included.

17 points25Peer RepliesOn time.

There was substantial evidence and synthesis of course content utilizing course topics and the introduction of questions and new information.

25 pointsOn time.

There was some evidence and synthesis of course content utilizing course topics and the introduction of questions or new information.

22 pointsReplies were at least one day late and/or:

There was either some synthesis of course content or the introduction of questions or new information.

19 pointsReplies were two or more days late and/or:

There was little or no evidence of course content utilizing course topics or the introduction of questions or new information.

17 points25Writing Mechanics and APA FormatFew to no writing mechanics or APA errors.

25 pointsFew to several writing mechanics and/or APA errors.

22 pointsSeveral to moderate writing mechanics and/or APA errors.

19 pointsMany writing mechanics and/or APA errors.

17 points25Total points100