A Troubled Future for America

            Modern America is an ever changing society. Solutions to past problems no longer fulfill the needs of the future. The people of America have also adapted to the ever changing times. The programs initiated during the New Deal era provided Americans some sense of stability however they did not have longevity in mind or take into account the changing demographics of our country. Halstead and Lind address two of these programs, employer-based health coverage, and social security reform in the book The Radical Center.
             Today the cost of health care has shot to an all time high. Most individuals rely on there employer to provide them and typically there family with a health care plan as one of the perks of the job. The idea of employer-based health insurance was what Halstead and Lind called a "historical accident." (p. 66) Employers" purchased health insurance for their employees because on average it is less expensive than individually purchased health insurance because it spreads risk and lowers administrative costs. In addition, employers" health benefits are tax deductible; however, the connection of health insurance to jobs means that job change or loss often results in loss of health coverage. Unemployed people could seek coverage in the individual health insurance market because this market does not link health insurance to work; however, in some states, personal market insurers can deny coverage to applicants based on their health status, age, family history, or any number of other reasons. Also, individual based health coverage is very costly to the average person. Increasingly, cases including frivolous lawsuits and massive class actions are driving up health care costs and making Americans pay the tab. Unfounded lawsuits and excessive malpractice and liability awards not only increase health care costs, but also raise the price of insurance for health care providers and patients.