Skip to content
  • About
  • Contact
  • Contribute
  • Book
  • Careers
  • Podcast
  • Recommended
  • Speaking
  • All
  • Physician
  • Practice
  • Policy
  • Finance
  • Conditions
  • .edu
  • Patient
  • Meds
  • Tech
  • Social
  • Video
    • All
    • Physician
    • Practice
    • Policy
    • Finance
    • Conditions
    • .edu
    • Patient
    • Meds
    • Tech
    • Social
    • Video
    • About
    • Contact
    • Contribute
    • Book
    • Careers
    • Podcast
    • Recommended
    • Speaking

COVID-19 shows why we need health insurance

Jingyi Liu, MD
Policy
April 20, 2020
Share
Tweet
Share

“How much will this cost me?” This is the last thing that a patient with COVID-19 should have to think about, but this is a major concern for the at least 27 million Americans facing the pandemic without health insurance. These individuals include construction workers, drivers, and cashiers, many of whom must continue to work because they are financially strapped or because they are essential personnel. As a physician on the frontlines of the coronavirus response, I worry that uninsured individuals who contract coronavirus will not present to medical care or even continue working, due to financial concerns. In one uninsured patient’s experience, her total bill for coronavirus testing and treatment at a Boston-area hospital was $34,927.43.

Last month, Congress approved the Families First Coronavirus Response Act, which will fund free coronavirus testing for everyone, including the uninsured.  While optically appealing, in the grand scheme of medical care indicated for COVID-19, this provision is a band-aid over a bullet hole. Patients are still responsible for the cost of hospitalization and treatment, which can be astronomical. If the hospitalization includes intubation and several days in the intensive care unit, the bill can be hundreds of thousands of dollars. States like California and New York have opened enrollment in the state insurance exchanges created through the Affordable Care Act. The federal administration, which runs/oversees the remaining 38 state exchanges, recently rejected a special enrollment period for the rest of these markets. For the millions of uninsured Americans who do not qualify for health care under Medicaid, this leaves them with few options. Health care experts agree that making health care as cheap and as accessible as possible is key to controlling the pandemic, yet the current administration has chosen to reject this option.

In addition to not opening a special enrollment period through the federal exchange, the administration is also attempting to repeal the Affordable Care Act. In early March, during the initial rumblings of the pandemic, a group of Republican attorneys general led by Texas, were granted a Supreme Court hearing of their case to invalidate the ACA. The Supreme Court is scheduled to hear this case in the fall, likely around election season. Given that experts predict that COVID-19 may reappear in the fall, repealing the ACA at that time without having a replacement would leave 21 million Americans without health insurance. When asked if he would consider rescinding the lawsuit in the setting of coronavirus, Trump reiterated at a press conference that he still wanted to get rid of the ACA, without specifying how he would replace it.

Worst-case scenarios estimate that 50 percent of Americans could contract coronavirus. However, it is readily apparent that not everyone will be affected equally. Construction workers, drivers, cashiers, and other frontline workers are most at risk for becoming sick, and for losing insurance or not having it to begin with. The decision to not expand health care coverage right now will relegate Americans already hurting from a struggling economy, to financial ruin if they were to be hospitalized. These hospital bills are not something that a $1,200 stimulus check can cover. While the ACA has its imperfections, we cannot ignore the fact that it provided health insurance to 21 million people and could provide health insurance to millions more. It is crucial that the federal government open the insurance exchange so that uninsured individuals and workers who recently lost their employer-provided coverage can sign up for health insurance. It is also equally critical that they don’t take this coverage away in the fall, given the projected seasonality of COVID-19. There has never been a more pressing time to expand health care coverage in America: we need health insurance, and we need it now.

Jingyi Liu is an internal medicine resident.

Image credit: Shutterstock.com

Prev

2 mindfulness practices to help cope with COVID-19

April 20, 2020 Kevin 0
…
Next

The weight of COVID-19

April 20, 2020 Kevin 0
…

Tagged as: COVID, Infectious Disease, Public Health & Policy

Post navigation

< Previous Post
2 mindfulness practices to help cope with COVID-19
Next Post >
The weight of COVID-19

ADVERTISEMENT

Related Posts

  • COVID-19 proved that diverse voices make health care better

    Naprisha Taylor
  • COVID-19 becomes a magnifying glass for health disparities

    Ni-Cheng Liang, MD
  • Forgetting mental health is a miss for the Biden COVID-19 task force

    Jennifer Piel, MD, JD
  • The social determinants of health during the COVID-19 pandemic

    Heather Thompson Buum, MD
  • COVID-19 misinformation is a public health crisis

    Jacob Uskavitch
  • Here’s why health insurance is different from other insurance

    Joseph Crisp

More in Policy

  • Healing the doctor-patient relationship by attacking administrative inefficiencies

    Allen Fredrickson
  • The hidden health risks in the One Big Beautiful Bill Act

    Trevor Lyford, MPH
  • The CDC’s restructuring: Where is the voice of health care in the room?

    Tarek Khrisat, MD
  • Choosing between care and country: a dual citizen’s Independence Day reflection

    Kathleen Muldoon, PhD
  • How fragmented records and poor tracking degrade patient outcomes

    Michael R. McGuire
  • U.S. health care leadership must prepare for policy-driven change

    Lee Scheinbart, MD
  • Most Popular

  • Past Week

    • Why are medical students turning away from primary care? [PODCAST]

      The Podcast by KevinMD | Podcast
    • Why “do no harm” might be harming modern medicine

      Sabooh S. Mubbashar, MD | Physician
    • Here’s what providers really need in a modern EHR

      Laura Kohlhagen, MD, MBA | Tech
    • How New Mexico became a malpractice lawsuit hotspot

      Patrick Hudson, MD | Physician
    • Why doctors are reclaiming control from burnout culture

      Maureen Gibbons, MD | Physician
    • A world without vaccines: What history teaches us about public health

      Drew Remignanti, MD, MPH | Conditions
  • Past 6 Months

    • Why tracking cognitive load could save doctors and patients

      Hiba Fatima Hamid | Education
    • Why are medical students turning away from primary care? [PODCAST]

      The Podcast by KevinMD | Podcast
    • What the world must learn from the life and death of Hind Rajab

      Saba Qaiser, RN | Conditions
    • Why “do no harm” might be harming modern medicine

      Sabooh S. Mubbashar, MD | Physician
    • Here’s what providers really need in a modern EHR

      Laura Kohlhagen, MD, MBA | Tech
    • How the 10th Apple Effect is stealing your joy in medicine

      Neil Baum, MD | Physician
  • Recent Posts

    • From Founding Fathers to modern battles: physician activism in a politicized era [PODCAST]

      The Podcast by KevinMD | Podcast
    • From stigma to science: Rethinking the U.S. drug scheduling system

      Artin Asadipooya | Meds
    • The gift we keep giving: How medicine demands everything—even our holidays

      Tomi Mitchell, MD | Physician
    • The promise and perils of AI in health care: Why we need better testing standards

      Max Rollwage, PhD | Tech
    • From burnout to balance: a neurosurgeon’s bold career redesign

      Jessie Mahoney, MD | Physician
    • Healing the doctor-patient relationship by attacking administrative inefficiencies

      Allen Fredrickson | Policy

Subscribe to KevinMD and never miss a story!

Get free updates delivered free to your inbox.


Find jobs at
Careers by KevinMD.com

Search thousands of physician, PA, NP, and CRNA jobs now.

Learn more

View 2 Comments >

Founded in 2004 by Kevin Pho, MD, KevinMD.com is the web’s leading platform where physicians, advanced practitioners, nurses, medical students, and patients share their insight and tell their stories.

Social

  • Like on Facebook
  • Follow on Twitter
  • Connect on Linkedin
  • Subscribe on Youtube
  • Instagram

ADVERTISEMENT

  • Most Popular

  • Past Week

    • Why are medical students turning away from primary care? [PODCAST]

      The Podcast by KevinMD | Podcast
    • Why “do no harm” might be harming modern medicine

      Sabooh S. Mubbashar, MD | Physician
    • Here’s what providers really need in a modern EHR

      Laura Kohlhagen, MD, MBA | Tech
    • How New Mexico became a malpractice lawsuit hotspot

      Patrick Hudson, MD | Physician
    • Why doctors are reclaiming control from burnout culture

      Maureen Gibbons, MD | Physician
    • A world without vaccines: What history teaches us about public health

      Drew Remignanti, MD, MPH | Conditions
  • Past 6 Months

    • Why tracking cognitive load could save doctors and patients

      Hiba Fatima Hamid | Education
    • Why are medical students turning away from primary care? [PODCAST]

      The Podcast by KevinMD | Podcast
    • What the world must learn from the life and death of Hind Rajab

      Saba Qaiser, RN | Conditions
    • Why “do no harm” might be harming modern medicine

      Sabooh S. Mubbashar, MD | Physician
    • Here’s what providers really need in a modern EHR

      Laura Kohlhagen, MD, MBA | Tech
    • How the 10th Apple Effect is stealing your joy in medicine

      Neil Baum, MD | Physician
  • Recent Posts

    • From Founding Fathers to modern battles: physician activism in a politicized era [PODCAST]

      The Podcast by KevinMD | Podcast
    • From stigma to science: Rethinking the U.S. drug scheduling system

      Artin Asadipooya | Meds
    • The gift we keep giving: How medicine demands everything—even our holidays

      Tomi Mitchell, MD | Physician
    • The promise and perils of AI in health care: Why we need better testing standards

      Max Rollwage, PhD | Tech
    • From burnout to balance: a neurosurgeon’s bold career redesign

      Jessie Mahoney, MD | Physician
    • Healing the doctor-patient relationship by attacking administrative inefficiencies

      Allen Fredrickson | Policy

MedPage Today Professional

An Everyday Health Property Medpage Today
  • Terms of Use | Disclaimer
  • Privacy Policy
  • DMCA Policy
All Content © KevinMD, LLC
Site by Outthink Group

COVID-19 shows why we need health insurance
2 comments

Comments are moderated before they are published. Please read the comment policy.

Loading Comments...