Answer the questions in Bold Essay Example | Topics and Well Written Essays - 500 words - 2

Answer the questions in Bold - Essay Example Resultantly, employees cannot be guaranteed a basic level of coverage from their employer. Three government programs are in place to assist high-risk members of the population with access to health care (Home, 2013). Medicare is a federal program for people over 65 (sometimes younger with approved disabilities) and provides short-term care insurance. However, most drugs and long-term service costs are not affected by this system. Medicaid, which is both federally and state funded, supports the portion of the population with the lowest amount of resources. This program tends to apply to a wider range of services than Medicare, though regulations vary from state to state. SCHIP is another large plan, and provides insurance for children of families with low income, but not low enough to qualify for Medicaid. Some smaller state-specific programs also extend coverage to specific subpopulations. Despite the presence of the above mentioned programs, a large portion of the US population remains without coverage (Americas Health Insurance Plans, 2013). Those who make too much for Medicaid, and are too young for Medicare, may find themselves exposed to the immense burden of health care costs. Drug expenses are especially cumbersome, as many employer programs (and otherwise) tend to focus on the delivery of hospital services. The restricted availability of insurance results in a great imbalance in health care utilization between various segments of the population (Young & DeVoe, 2012). The most services are accessible to (and are accessed by) the wealthiest members of society, due to the increased likelihood of quality employer coverage, as well as the ability to purchase insurance at a premium (an unreachable luxury for much of the middle class). The oldest and poorest people in the US have some coverage due to government programs, but cannot always take advantage of these opportunities due to other barriers to access, like

To what extent is increased legal regulation of the privately rented Essay - 1

To what extent is increased legal regulation of the privately rented sector justified and desirable - Essay Example the lower end of the market, thereby making life more unbearable for the tenant community.4 In some of the sub-markets that are characterized by a high number of claimants, the impact of this is especially acute with the landlords being able to set rents at levels that are artificially high to match the Local Housing allowance.5 Furthermore, the security of tenure (of between six and twelve months) availed by private landlords is not sufficient for families as well as those who have been shut out of the owner-occupation and social housing and who have to make the private rented sector their only option. The private rented sector has gone through extraordinary revitalization over the last twenty years to become increasingly critical to housing market and the benefit system considerations.6 Currently, there are approximately over four million houses in England that are privately rented. They account for about eighteen percent of all the family units.7 The industry has also doubled in magnitude since 1989 while having more households presently compared to social housing while occupation by owners is on the decline.8 These figures demonstrate the deteriorating affordability of private rented housing that an increasing number of people are forced to use as a consequence of the drop in social housing along with challenges to house ownership.9 All the solutions to the present-day housing catastrophe have to entail a considerable upsurge in the erection of new houses along with the social industry, but this does not imply that no action can be taken to lessen the related issues. In the mea ntime, scarcity is a major defining aspect of the home markets. Furthermore, in London, it remains conceivable that supply will hardly ever match demand. The above perspective of the U.K.’s private rented sector outlines the great importance it plays in the lives of people, mainly those living in the urban centres. It is this assumed importance against the need to protect the