What factors make it difficult to provide health care coverage to everyone in the US?

Asked by: Nichole Stark  |  Last update: September 6, 2025
Score: 4.7/5 (48 votes)

uninsurance has been attributed to a number of factors, including rising health care costs, the economic downturn, an erosion of employer-based insurance, and public program cutbacks. Developing effective strategies for reducing uninsurance requires understanding why people lack insurance coverage.

What factors can make it difficult for people to access health services?

Ideally, need is the major determinant of health-care utilization, but other factors clearly have an impact. They include poverty and its correlates, geographic area of residence, race and ethnicity, sex, age, language spoken, and disability status.

Why is healthcare not accessible to everyone?

Inadequate health insurance coverage is one of the largest barriers to health care access,3 and the unequal distribution of coverage contributes to disparities in health.

Why don't people have health insurance in the US?

Lack of access to affordable health coverage is the main reason many people say they are uninsured. A majority of working age adults in the U.S. obtain health insurance through an employer; however, not all workers are offered employer-sponsored coverage or, if offered, can afford their share of the premiums.

What are the obstacles to universal health coverage in the US?

The main challenges related to UHC concerning delivering services, as shown in Figure 5, are unregulated and fragmented healthcare delivery systems [16,19,22,23,25]; inadequate care and services in terms of quality [1,29,33]; the aging of the population, which increases the risk of geriatric health issues [23,27,35]; ...

What to Know About Health Care Coverage

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What is the biggest obstacle to health care in the United States?

Cost. The prohibitive cost of medical care is, and has been, the number one barrier for individuals and families. According to the KFF, nearly half of U.S. adults report having difficulty affording health care costs.

What are some of the problems with health insurance in the US?

A majority of Americans with health insurance said they had encountered obstacles to coverage, including denied medical care, higher bills and a dearth of doctors in their plans, according to a new survey from KFF, a nonprofit health research group. As a result, some people delayed or skipped treatment.

Why is it difficult to get health insurance?

uninsurance has been attributed to a number of factors, including rising health care costs, the economic downturn, an erosion of employer-based insurance, and public program cutbacks. Developing effective strategies for reducing uninsurance requires understanding why people lack insurance coverage.

What are the three biggest issues in healthcare today?

So, let's hop on a journey to explore the 7 biggest challenges of the healthcare industry!
  • Rising Costs of Healthcare Services.
  • Financial Challenges for Providers.
  • Shortage of Healthcare Professionals.
  • The Need for Improved Mental Health Systems.
  • Increased Demand for Personalized Care.
  • Big Data and Cybersecurity Issues.

Which of the four main factors that affect health is the most important?

All of these factors influence health. In fact, a person's education and income are the greatest predictors of their health. (5) Individuals with higher levels of education and income tend to live longer, healthier lives.

What causes unequal access to healthcare?

Structural inequities are the personal, interpersonal, institutional, and systemic drivers—such as, racism, sexism, classism, able-ism, xenophobia, and homophobia—that make those identities salient to the fair distribution of health opportunities and outcomes.

How to make healthcare more accessible in the United States?

Consider the following five evidence-based approaches to improving access to health care.
  1. Expand Insurance to Cover Health Care Costs. ...
  2. Extend Telehealth Services. ...
  3. Invest in Mobile Clinics. ...
  4. Educate the Public About Multiple Health Care Sites. ...
  5. Improve Cultural Responsiveness.

Why is US health insurance so complicated?

The U.S. spends over $3 trillion a year on healthcare, which accounts for nearly 18% of the nation's GDP. With that much money involved, it's impossible to simplify the system without shifting or eliminating some of those expenditures.

What factors may have barriers to care access?

Those at greater risk for experiencing barriers to access include those with low incomes, persons in poor health, members of ethnic minority groups and those with public insurance. Further, many clinics do not accept Medicaid payment thus, Medicaid beneficiaries are challenged in finding accessible primary care.

Is healthcare accessible to everyone?

About 1 in 10 people in the United States don't have health insurance. People without insurance are less likely to have a primary care provider, and they may not be able to afford the health care services and medications they need.

What is one of the most difficult challenges healthcare providers face when providing care or services to patients with limited health literacy?

One of the most difficult challenges healthcare providers may need to overcome when speaking with persons having low health literacy is gaining their trust. It stands to reason that the most obvious approach to addressing low health literacy is related to making information more accessible.

Why is healthcare in the US a problem?

Lack of insurance coverage, high costs, and poor outcomes are well-documented problems in the US health care system, and policies to address them have been hotly debated for decades. However, complexity is another underappreciated problem that hinders access and affordability and is more difficult to quantify.

What are the three 3 major factors affecting health?

The determinants of health include:
  • the social and economic environment,
  • the physical environment, and.
  • the person's individual characteristics and behaviours.

What is the biggest health issue in the United States?

Heart disease and stroke still the leading causes of death for both U.S. men and women.

Why is it so hard for me to get insurance?

You may have a problem getting insurance if you have a complex medical history, are elderly or have criminal convictions. You may also have difficulty getting building insurance to cover flood damage if your property has suffered damage in the past or if there is a history of flooding in your neighbourhood.

How can the U.S. healthcare system be improved?

The government and health care payers need to consistently reevaluate reimbursement schedules, increase primary care, lower specialty care, shift to alternative payment models, initiate pay-for-performance measures, and continue to focus more on targeting high-risk, high-cost patients for cost-effective care management ...

Why don t all companies offer health insurance?

The main concern employers have with providing health insurance is cost. Private healthcare insurance costs typically increase over time due to medical inflation, higher demand for services, and advancements in medical technology. That means employers may encounter rising premiums, putting pressure on their budgets.

How can we make healthcare more accessible?

7 Ways to Increase Access to Care
  1. Adopt a Diverse and Inclusive Hiring Policy. ...
  2. Collaborate with Community Organizations. ...
  3. Educate Your Clinical Staff on Healthcare Disparities. ...
  4. Invest in Telehealth and Remote Care Solutions. ...
  5. Accept a Wider Range of Insurance. ...
  6. Increase Flexibility for Patients.

What is the largest issue for US healthcare?

A 2024 survey found that over half of U.S. individuals indicated the cost of accessing treatment was the biggest problem facing the national healthcare system.

Why shouldn't healthcare be free for everyone?

Beyond individual and federal costs, other common arguments against universal healthcare include the potential for general system inefficiency, including lengthy wait-times for patients and a hampering of medical entrepreneurship and innovation [3,12,15,16].