Last Name 1

Student’s Name

Professor’s Name

Course Number

Date

1. What about you? What “things of value” do you want most in a benefits package

offered by an employer? If you were offered a “cafeteria benefit plan,” what

additional or enhanced benefits would you choose? Why?

As a worker in Silicon Valley, I would love to have the option to work remotely at flexible hours

because it gives an attractive lifestyle that suits my way preferences.

2. Do you have healthcare? If so, what part of the coverage best satisfies your needs?

Do you need any kind of coverage that you can’t get or can’t afford? Do you think

you might be better off if you got your coverage under the Affordable Care Act?

Yes, I do have healthcare coverage. I take some very expensive medicines. My healthcare

benefits are useful in that respect. I have some dental issues and myopia (nearsightedness) and

wear glasses. Dental and optical medical coverage is very expensive almost everywhere in the

world and I believe it is useful if I get this kind of coverage under the Affordable Care Act.

3. In your opinion, what kind of healthcare coverage does the average American

worker (and his or her family) need? Is there any level of coverage to which, in your

opinion, the average American worker should be entitled at a reasonable cost?

What sources should provide the money to pay for this coverage?
 Last Name 2

I believe the most expensive diseases to treat in the United States are cardiovascular diseases and

the diseases that are alcohol and smoking-related. All expensive diseases should be covered to at

least 30 to 40 percent by the government or the employer. It will relieve the American people

who are suffering. A law should be passed that should oblige the businesses to incentivize health

benefits to the workers. The companies in the US are making millions and billions of dollars

every year. Their employees have the right to get some health benefits for their hardwork.

4. Person for person, according to Consumer Report-healthcare in the United States

costs about twice 1much as it does in the rest of the developed world. I

2000, the average family health plan cost U.S. companies $6,438 per worker; by 2013,

that figure had reached $16,351. In the same period, average wages increase

20 percent (just barely keeping up with an inflation rai of 18 percent) while the cost of

family health coverage went up by 87 percent. “Higher healthcare costs,” the report

reminds us, “mean higher premiums for everyone.”* Why do you think healthcare costs

are so high in the United States? How are healthcare prices set? What doe the former

CEO of one giant health maintenance organization means when he says that healthcare

"prices are made up depending on who the payer is”?

There are several genuine reasons for the rising healthcare cost to rise in the United States. One

of the reasons is that the US healthcare system is very complex. It implies that it does not work

efficiently, and there is a lot of waste that is produced. Medical workers especially doctors and

nurses are very highly paid in the US. The medicines are very expensive. Every year billions of

dollars are spent on medical research that contributes heavily to the rising costs. The hospitals

have become businesses, and the healthcare costs vary depending on the provider. All these
 Last Name 3

factors contribute to the sharp rise in medical costs compared to other developed regions of the

world (Author).

Works Cited

Author, Staff. “6 Reasons Healthcare Is So Expensive in the U.S.” Investopedia, 2019,

www.investopedia.com/articles/personal-finance/080615/6-reasons-healthcare-so-

expensive-us.asp.