Research Paper on:
Health Care Insurance And The Unemployed

Unformatted Sample Text from the Research Paper:
families to continue receiving health care benefits that were lost when they lost their jobs. The only hitch was that the unemployed had to pay the entire health care premium.  Oftentimes, individuals and families just could not afford it. Today, we have many millions of people out of work. If these people had health care benefits from their employer, they  will continue to have health care insurance only if they can afford to pay the premium. There are other programs funded by the federal government and state governments intended  to provide health care coverage to individuals, children and families. The Medicaid program is one that is usually tapped into in these situations. The questions are: What is the proportion  of individuals and families covered by these other resources? The media reports children and families are often covered but what happens to single individuals who are independent? Importance  of the Research The research is important because there is a dearth of research on how unemployment affects the single individual workers ability to obtain health care coverage who suddenly  becomes unemployed. The vast majority of articles discusses children and families but fails to discuss that individual single workers need to obtain health insurance as much as a family member  does. Literature Search By November 2008, there were more than 10.3 million people unemployed in the United States (Families USA 1). Researchers have reported that an increase of 1  percent in the unemployment ratio is equal to over 1 million people being uninsured (Families USA 1). Most of these people cannot afford to continue health care coverage as  provided by COBRA (Families USA 1). This group reports that the average unemployed individual would have to spend 30 percent of their unemployment income to continue health care coverage (Families