5 Facts on the Shocking Race Gap Issue in Health Insurance

Life Insurance

 

It is an open secret that the US is still under the firm grip of race prejudice. To support this statement, we can analyze the example of racial bias in health insurance. For instance, there are certain privileges in the US's health sectors that people of color don't have access to. Not having equal facilities like the white people in their health insurance is one of them.

Meanwhile, a lot of blacks are still deficient in their health insurance. Above all, the people still living without health insurance are the people of color. The cause of this indigence is the states' decision to deny the expansion of Medicaid.

This privation of health facilities is a pretty grave issue that people of color in the US face daily. Influential personalities, health experts, and scientists should raise their voices against this prejudice. Furthermore, there's ample evidence that proves minorities receive fewer privileges as compared to others.

In the rest of the article, we will discuss how people of color are deprived of their health rights.

1.  Less health insurance coverage:

The race gaps between black and white have reduced over the years. But there is a lot of prejudice when it comes to providing quality health insurance. The white population has more coverage in contrast to the people of color.

Black people have to go through many hurdles to get their insurance from a private employer. Moreover, black people or Hispanics have lower chances of getting continued health care. More aged adults get much better treatment as compared to the young black population.

However, compared to whites, black and Hispanic older adults are considerably less likely to have private insurance and more likely to receive Medicaid or have Medicare as their only insurance.

2.  Lack of healthcare providers:

There is a shortage of hospitals and healthcare providers for black people. Their neighborhood consists of the least health care providers.

Moreover, healthcare professionals in the neighborhood of black people offer poorer services.

Furthermore, ethnic differences have become a great obstacle for black people. Due to these differences, they fall short of good hospitals and health providers.

3.  Quality of care:

As mentioned above, the black population receives poor quality of health services. Meanwhile, the rest of the population enjoys better services.

This race gap in health insurance puts a lot of African American and Hispanic lives at stake. These ethnic minorities become the victim of racial discrimination very easily.

The institute of medicine (IOM) reports on the subject:

"Racial and ethnic disparities in healthcare exist and, because they are associated with worse outcomes in many cases, are unacceptable."

4.  High mortality rates:

As mentioned above, the services offered to the black population are not the best ones. For instance, let's consider the mortality rate in the birthing sector. If we take a close look at mortality statistics, black women tend to suffer more than white women. The reason for this is yet to be discovered.

The rate of women dying in labor is huge, but it is disastrous in the case of black women. There is a higher chance of a black baby dying before its first birthday compared to a white baby.

5.  Cost:

The rising cost of health insurance coverage is a significant problem. The high costs affect all individuals, specifically, the African American population. 11% of the monthly income of the family is spent on insurance-related issues. Above all, people of color have to spend 20% of their income on such issues.

To sum up, over 30 million people still don't have health insurance in the US. There are tons of reasons why health insurance is essential. But due to the racial disparity, a mass remains deficient in health insurance.

Above mentioned are some of the serious concerns that should get highlighted. Putting these issues into the limelight will capture the attention of responsible authorities.

We have made considerable progress over the decade to eradicate racial disparity. But, still, there is a lot of work that has to be done in this sector. 

Mahatma Gandhi said:

"It is health that is real wealth and not pieces of gold and silver."