Do Health Insurance Companies Help or Hurt the U.S. Healthcare Economy

In one of the most uncertain times this country has seen in many decades, healthcare seems to be on the lips of everyone across the nation. Some people are in complete favor of health care reform or universal coverage for the country (as every other 1st world country has), while others are for keeping things just as they are. It is not just the real cost of stuff that has people choosing sides, however. When you factor in how the cost and necessity of health coverage affect the economy of the country as a whole, you should educate yourself before you pick a side of this fence to be standing.

Generally speaking, the economy is on the rise. Despite your party voting habits, the economy hit a dangerous pitfall several years back and has been crawling down the road of recovery employment. When you factor in the rising cost of living nearly everywhere in the country, the need for better-paying jobs and work offering health coverage as a fringe benefit to employment is a hot commodity.

The economy as a whole in the country is centered around people being able to spend their money on products, services and to live in general. These all become pieces of the puzzle. When people are no longer able to afford to continue to purchase these “pieces”, the economy suffers as a result. When the cost of something like health care goes up more, then people have less money for commerce. That means they aren’t out getting new vehicles; they aren’t taking trips, and they aren’t making non-necessity purchases as often.

Particularly in the middle-class working trades, healthcare is reaching critical amounts each month to maintain coverage. Particularly when it comes to optometry, as we were told by the lead eye doctor at Sugar Land Eye Professionals. “It’s ridiculous,” he said, “Patients are getting pinched on their health insurance, and they’re almost completely cutting vision insurance. Few people carried vision insurance compared to health insurance previous, but now the disparity between those numbers grows more and more every month.”

In a work environment that is often contingent on the ebb and flow of construction as a whole and the weather permitting nature of this development, it is becoming increasingly difficult for the working class to accrue enough hours in a month to afford the coverage. On average, a family plan sits just above $700 a month, and for union workers, the average is closer to $1000. If this isn’t covered by the employer completely, then some or this entire amount is being asked of each working person every month. As Dr.

The drawback to this, besides a general lack of extra spending money to bolster the economy, is the vulnerability that those paying out of pocket for their insurance experience. Health insurance, in general, is contingent on making more from you than It will ever be asked to pay out, which is why more and more insurance companies are refusing to pay entire costs of things like operations or procedures. If they are willing to cover that, Only after the client is asked to pay a high deductible out of pocket. It efficiently depletes the savings of any working family in a time where savings in general are hard to come.

The other side of this equation is the statistic thrown around that the average American spends one of every five dollars they have on some form of health insurance. So reforms have been surfacing during this decade, such as President Obama’s universal healthcare plan. This policy’s fine print suggests that a family making 120,000 dollars a year should pay in 20,000 dollars to healthcare. It isn’t unlike the high taxes that make universal healthcare work and function in other highly developed countries around the world, but it is a hard pill to swallow. Many Americans who have health insurance are not paying out of pocket for it at all, but it is an incurred cost of their employer. So for someone who doesn’t currently pay anything for decent coverage plans, a 20 percent tax on your earned income to cover a national health plan will be an outrage.

So therein lays the creation of the fence. To look at the facts, It’s system is putting a very deep cut into the economy. People are forced to hold their money back to cover the cost of their insurance in general instead of spending it elsewhere. But an argument could be made that the higher cost of living is doing a number on the economy as well, not just the rising annual costs of health coverage.

How Health Care Costs are Damaging the American Economy

The economy in America is dependent on people having money they can spend on businesses in their areas. Since the downturn of this economy, the country has been trying to bolster this economy in a variety of ways. Remember those random stimulus checks some people got several years ago? That was one-way people were encouraged to get out there and spend that money in their cities and towns and grease the wheels of the economy a bit.

When it comes to healthcare companies throughout the country, their rising costs are among the biggest causes of economic strain. Calling on statistics that were used to formulate the “universal” healthcare bill generated by the Obama administration, the average person in the country will spend a total of 20 percent of the money that they have or will have to some form of health coverage or medical expenses.

This is not unlike the high taxes that in other highly developed countries around the world offering universal healthcare. This is to cover the costs of paying the medical professionals, total expenses of all operations and treatments, and anything else that might arise. When you consider the fact that insurance companies all throughout this country are only paying pieces of the cost of your medical expenses, and have the perpetual options of denying covering the cost of something they don’t deem necessary, the average American has to tread cautiously.

It means that the money Americans are making, that could be spent in their regions and feed back into an economy in desperate need of a rebound, is instead being held back in case of emergencies. It keeps money sitting idly. No economy thrives where people don’t feel comfortable spending their money. Factor in the rising costs of living, and you have much less going out regarding general commerce than what can sustain an economy on the national level.

The middle class is often being forced to pay for the entirety or a large part of the monthly costs of their health insurance. Based on a national average of a 5 member family, the typical cost of a monthly insurance plan is over seven hundred dollars a month. It can go up by hundreds of dollars depending on the nature of the employment. Factor in the often critical deductible cost for operations or medical emergencies, and you have a middle class of this country that is very apprehensive to do anything but save back extra money for an emergency.

The truth is, part of the problem is that often health insurance companies are exploiting the misinformed masses to offer coverage at a premium cost they will never actually need. For example, senior citizens (who often stand a great chance at bolstering an economy because they typically own most things out right) are often persuaded to take on specific plans that require them to pay more for the facets of the coverage they will use while also paying for things that they will likely never need.

When you consider that insurance companies are multi-billion dollar industries, it stands to reason they make a lot more off of people than they pay out for them. So make sure that you are not buying into things that you don’t need. Do not ever feel stuck in one place, and shop around for places that will allow you to pick and choose your coverage based on what you need in a price range that can better suit your budget. When you have this in check, and others follow suit, then the economy starts to bounce back. This will only happen when big corporations are not as able to keep you living in the corner scared of a significant medical expense they won’t cover, and you are able to more comfortably afford the coverage you need.

Buyer Beware: How to Identify and Avoid Low-Quality Weight Loss Products

When it comes to weight loss, there are all kinds of products coming out each and every week claiming to be the best. With all of these companies making products as fast as people are willing to buy them, how do you choose what is real and what is a scam? With a little bit of planning and careful consideration, you can avoid the pitfalls of harmful weight loss products. These tips can help you to choose the highest quality dietary supplements so that you can see the results you are looking for, without putting harmful substances into your body.

Regulations and Testing

You can tell, often from just reading a label, what has been approved for use by the FDA. It is important to know because the Food and Drug Administration is responsible for the safety of humans and pets who are using various drugs that come onto the market. Because of existing federal statutes, companies that are making dietary supplements for weight loss are not required to have their products tested by the FDA at all. In fact, they are only required to be able to say that their products are not going to harm the people that take them as best as they can figure and that the claims that they make about these products are real.

It is quite a large gray area to play around with, and with so many different compounds and creations designed to have you dropping inches fast, it stands to reason that many of these are not ideal for you to be ingesting. There are some products out there that the FDA has been asked to evaluate and approve, which should put them on the top of the heap for those looking for something both safe and efficient. A good example of this is Alli, which is one of the top selling weight loss supplements in the world.


The internet is a wealth of information about almost anything you could imagine. So if you are staring down the endless aisle of potential weight loss products to purchase, it might be time to put your keyboard and mouse to good use. Look up the brands that stand out to you and see what real people are saying about it. Do not go directly to the website associated with the product, as these reviews listed on the site are going to be exclusively positive, if not fabricated altogether.

Another go-to source for diet reviews is HealthVI. Ian and Danyon regularly publish reviews of health and weight loss products to protect consumers from getting scammed and buying low-quality products. They recently reviewed a popular product called “The Venus Factor”, which has been around for years. If you’re interested in reading HealthVI’s Venus Factor Review, you can click that link to be taken to their website.

Too Good To Be True

Here is a good rule of thumb: if the product is making remarkable claims that seem impossible, they probably are. There are several terms and phrases that you should be looking out for to keep yourself from harm and your wallet from emptying on a dietary pill that is just big talk. Phrases and terms to avoid: new formula, scientific breakthrough, or any wording suggesting it’s a more cost-efficient version of a brand name supplement.

Armed with these three crucial tips, you should be able to find a weight loss pill/dietary supplement that is going to help you with your goals. Products with high success ratings are out there; you just have to be cautious about what you choose and keep yourself informed of the truth.

The Healthcare Economy in the USA

Despite being the economic and military superpower of the world, the United States has a uniquely troubling dilemma among its first-world peers: costly and often inefficient health care for average citizens. The United States if fiercely capitalist in nature, and often incorporates this into the government in places where other nations would not, such as in regards to health care.

American health care facilities and insurers privatized, and thus have no uniform pricing metric, and so medical bills and insurance policies alike have cost through the roof. Also, due to the polarized nature of American politics, any efforts to make health care public are met with fierce opposition and often implemented halfway and ineffectively. The most obvious example of this is the Affordable Care Act, commonly known as Obamacare, which has met with such fierce opposition that many of its supporting bills have not passed, leaving the bill a mess which has only compounded problems.

The heart of the problem originates among large pharmaceutical producers, who often artificially inflate prices simply because they can. Little regulation exists in this section of the economy, and manufacturers can overnight raise prices to absurd amounts. Capitalist economics would prevent this, but the aforementioned broken government policies ensure that every citizen can and will buy necessary medication, and so these companies know that if their product works as advertised, patients will buy them at all costs.

An excellent example of this is the case of Martin Shkreli, Founder and former CEO of Turing Pharmaceuticals. His company acquired the rights to anti-parasitic drug Daraprim and overnight increased prices by 5,556 percent. It was perfectly legal, and he later explained that the move was less about profit and more about showing the problems with deregulation, and pointed out that any American could buy the supposedly $800 tablets for only a few dollars thanks to insurance regulations.

It fuels the problem which is ultimately secondary but a much more hotly debated issue: overpriced and privatized health insurance. Health insurance companies must turn a profit, and with price manipulation by both hospitals and drug manufacturers, they must implement exceedingly high rates to turn a profit. It is a more direct cost to most Americans, hence their louder calls to make health care cheaper or free. However, will unfortunately only compound the problem as manufacturers are free to raise prices even more than they do already, as the federal government would cover all costs regardless.

The only real solution or improvement to US healthcare economy can come via regulation on pharmaceutical manufacturers and hospitals. Limits on sale price-manufacture cost ratios could be a viable solution, as well as market regulation on prices of raw ingredients. Ultimately, however, this faces stiff opposition from most major political parties, due to fears of government overreach or sometimes pure corruption. Compared to the small margins of insurance companies, some of which are moving out of health care altogether, these pharmaceutical corporations make new profits as long as they have unique and specialized drugs in their production lines.