HLTH 8301 Week 10 Discussion: Health Insurance Accessibility
Federal and state governments have spent millions of taxpayer dollars to create a website through which consumers can purchase healthcare insurance in the open market. The federal government operates healthcare.gov. Some states have opted not to utilize the federal government’s exchange and approach it on their own. Both state and federal exchanges continue to have variation in costs in overall programs and direct costs to consumers (U.S. Government Accountability Office, 2019).
With all the money spent to create these healthcare exchanges, the question remains: Do they really work? In your Discussion this week, you will explore this question.
Resources
Be sure to review the Learning Resources before completing this activity.
To prepare for this Discussion:
- Browse at least two state health insurance exchange websites in the Learning Resources.
- Consider that states are supposed to make these websites user-friendly and appropriate for a person who reads at the eighth-grade level (the typical U.S. public health standard). Reflect on your own experiences in accessing the state exchanges. It may also be helpful to get some additional feedback from friends or family members (not in the healthcare business) to ascertain their impressions of the websites you are evaluating. Consider the following:
- The average American’s healthcare literacy: Can they comprehend what they are reading on these sites to make an informed choice?
- What are your impressions? Is the site user-friendly? Is it easily accessible?
- What about support for people with disabilities?
By Wednesday
Post your Discussion, to include the following:
- Explain any policy ramifications for health insurance exchanges going forward. Are state health insurance exchanges still a good idea? Why or why not?
- Compare and contrast at least two health insurance websites from various states. Note: Be sure to include the citations for these websites.
- Explain how these websites are or are not user-friendly and appropriate for the public health standard and why.
- Explain how these websites could be improved to help users select the best insurance options for them.
Support your response by identifying and explaining key points and/or examples presented in the Learning Resources.
Read a selection of your colleagues’ postings. Consider how your colleagues’ postings relate to the information presented in the Learning Resources and to your own posting.
Refer to the Week 10 Discussion Rubric for specific grading elements and criteria. Your Instructor will use this grading rubric to assess your work.
By Friday
Respond to at least two of your colleagues’ postings in one or more of the following ways:
- Share an insight that you gained from having read your colleague’s initial post.
- Expand on the Discussion by taking a position on a colleague’s post. Do you agree or disagree with his or her position on usability and “user-friendliness” of the website? Support your position with specific examples.
Continue engaging in the Discussion through Sunday.
SOLUTION HLTH 8301 Week 10 Discussion: Health Insurance Accessibility
Hello Class,
Health Insurance Exchanges: Policy Ramifications and Website Usability
Policy Ramifications for Health Insurance Exchanges
Health insurance exchanges, established under the Affordable Care Act (ACA), aim to increase access to affordable health coverage. However, as healthcare policies evolve, several ramifications impact the future of these exchanges. A key concern is the variability in state-level implementation, which results in disparities in access and affordability (Glied & Jackson, 2021). States that operate their own exchanges, such as California and New York, have more control over plan options and subsidies, while states relying on the federal marketplace are subject to federal regulatory shifts….
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