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Assessment 2: Needs Analysis for Change

Student Name

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Capella University

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Course Name

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Prof Name
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March 23, 2024
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Needs Analysis for Change rv
Medical care addresses an essential human need, yet the heightening expenses and deficient
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protection inclusion in the US comprise a significant monetary medical care challenge (Galvani
et al., 2020). The deficiency of health care coverage inclusion brings about confined admittance
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to critical medical services administrations for some people and families, prompting
compromised wellbeing results and putting a weight on the medical services framework
(Foundation of Medication, 2019). This needs investigation will dig into the monetary medical
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care issue of deficient health care coverage inclusion and its repercussions on both the medical
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care framework and patients.

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The US bears one of the greatest worldwide medical care costs, with medical services spending
comprising more than 17% of the country's total national output (Gross domestic product)
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(Yang, 2022). Notwithstanding this extensive consumption, a huge monetary medical care
challenge continues because of the absence of satisfactory health care coverage inclusion
among a great many Americans. Lacking inclusion frequently brings about deferred or
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predestined clinical treatment, adversely affecting people's wellbeing situations with (et al.,
2021).
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The financial medical services issue of deficient health care coverage inclusion influences
people across every single financial foundation however affects low-pay people and families.
Regardless of the sanctioning of the Reasonable Consideration Act (ACA) in 2010 to upgrade

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health care coverage inclusion, a huge number of Americans stay uninsured or underinsured
(ACA, 2019).

Summary of the Economic Issues of Inadequate Health Insurance

The economic issue of inadequate health insurance coverage poses a substantial challenge,
limiting access to essential healthcare services and adversely affecting individuals' health and
well-being (Keisler-Starkey & Bunch, 2021). This issue reverberates through workplaces,
organizations, colleagues, and communities, impeding individuals from receiving necessary

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healthcare services and leading to diminished health outcomes, escalated healthcare costs, and
reduced productivity.

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Inadequate health insurance coverage significantly impacts organizations, resulting in increased
healthcare costs, diminished employee productivity, and heightened absenteeism. When

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employees encounter obstacles in accessing essential healthcare services due to inadequate
insurance coverage, the likelihood of falling ill and requiring extensive medical attention

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increases, leading to higher healthcare costs for the organization (Folger, 2021).

Inadequate health insurance coverage also contributes to reduced employee productivity and

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increased absenteeism, as employees may postpone seeking necessary medical treatment or
forego preventive care due to financial constraints. This may culminate in more severe health
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conditions, prolonged recovery times, and heightened absenteeism, adversely affecting the
organization's overall productivity and profitability (Folger, 2021).
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The rationale for addressing this issue is evident. Ensuring universal access to affordable
healthcare promotes individual and community health, enhances healthcare outcomes, and
mitigates healthcare costs (Chernew et al., 2021). However, a significant gap persists between
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the availability of healthcare coverage and the needs of those lacking access due to this issue.
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Recent data from the United States Census Bureau reveals that over 28 million people lacked
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health insurance in 2020, signifying a 0.8% increase from 2019. The contributing factors to this
issue may include stringent eligibility criteria and limited insurance options (Keisler-Starkey &
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Bunch, 2021). This coverage gap disproportionately affects low-income individuals and
communities of color, exacerbating healthcare outcome disparities and perpetuating existing
inequalities.
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Addressing the issue of inadequate health insurance coverage necessitates a comprehensive

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approach, encompassing expanded access to healthcare coverage, the removal of systemic

barriers to healthcare access, and the advocacy of policies prioritizing community health and
well-being (Keisler-Starkey & Bunch, 2021).

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Socioeconomic and Diversity Disparities
Significant socioeconomic and diversity disparities characterize the impact of inadequate health
insurance coverage on access to healthcare services. Low-income individuals and communities
of color bear a disproportionate burden, facing heightened barriers to healthcare access and
enduring poorer health outcomes (Ndugga & Artiga, 2021).

A study published in the American Journal of Public Health underscores that individuals with
lower incomes are more likely to lack health insurance coverage, with uninsured rates ranging

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from 25% to 40% for those below 200% of the federal poverty level (Cable, 2020). Moreover,
individuals from racial and ethnic minority groups exhibit higher rates of lacking health insurance

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coverage, with uninsured rates of 19% for Hispanics, 11% for Black individuals, and 8% for
non-Hispanic White individuals (Artiga et al., 2021).

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These disparities in health insurance coverage carry significant implications for access to
healthcare services, with uninsured individuals being less likely to receive preventive care,

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chronic disease management, and necessary medical treatment (Daghlas et al., 2021). This
restricted access contributes to poorer health outcomes and elevated healthcare costs,
particularly among individuals with chronic health conditions.

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Addressing these socioeconomic and diversity disparities in healthcare access necessitates
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targeted policies and interventions prioritizing the health and well-being of low-income
individuals and communities of color. This may involve expanding Medicaid coverage,
increasing access to affordable health insurance options, and addressing systemic barriers to
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healthcare access such as transportation, language, and cultural barriers.

Evidence-Based Sources
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Evidence-based sources emphasize the crucial nature of addressing inadequate health

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insurance coverage to enhance access to healthcare services and promote individual and
community health and well-being. The following sources underscore the need for potential
change or implementation plans:
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● A study published in the Journal of Health Economics reveals that expanding Medicaid
coverage is linked to substantial increases in healthcare utilization and access to care,
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particularly for low-income individuals and those with chronic health conditions
(Carpenter & Sansone, 2021).
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● Research published in Health Affairs posits that implementing policies to increase

access to affordable health insurance options can ameliorate health outcomes and
reduce healthcare costs (Young et al., 2021).

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 ● A report from the Kaiser Family Foundation highlights significant disparities in health
insurance coverage across racial and ethnic groups, emphasizing the need for policies
addressing these disparities (Artiga et al., 2021).
● An article published in the Journal of General Internal Medicine argues that addressing
the issue of inadequate health insurance coverage requires a comprehensive approach,
including expanding access to healthcare coverage, promoting policies prioritizing
community health, and addressing systemic barriers to healthcare access (Shrank et al.,
2021).

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Potential implementation plans to address inadequate health insurance coverage may involve
expanding Medicaid coverage, increasing access to affordable health insurance options,

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implementing policies prioritizing community health, and addressing systemic barriers to
healthcare access. These plans may also include augmenting healthcare staffing to ensure
adequate patient care.

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Implementation Plans to Address Inadequate Health Insurance

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The proposed change (improving access to health insurance) or the implementation plan to
address inadequate health insurance coverage can yield several anticipated outcomes and

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opportunities for growth, particularly in terms of economic considerations. The expected
outcomes for the implementation plans include improved access to healthcare services and
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enhanced health outcomes in the community. Additionally, a better experience for healthcare
providers and the organization is anticipated. The opportunities for growth and expected
outcomes may encompass:
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● Improved health outcomes: Augmented access to healthcare services is expected to

result in improved health outcomes, potentially reducing the economic burden of
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preventable illnesses and chronic conditions. The significant reduction in mortality rates,
particularly for low-income individuals, following the expansion of Medicaid coverage
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supports this notion (Barbot, 2020).

● Increased productivity: Enhanced health outcomes can translate into increased
workforce productivity, as healthier individuals are more likely to effectively perform their
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duties. Workplace wellness programs that prioritize employee health have the potential
to significantly boost productivity and job satisfaction (Lyons et al., 2022).
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● Reduced healthcare costs: By improving

access to healthcare services, individuals with inadequate health insurance coverage
are less likely to rely on emergency department visits or other costly forms of care. A
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report from the Commonwealth Fund indicates that expanding Medicaid coverage can
substantially reduce healthcare costs, particularly for low-income individuals (Ward,
2020).

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 ● Increased economic growth: Improved health outcomes, heightened productivity, and
reduced healthcare costs can contribute to increased economic growth and stability. A
study by Raghupathi and Raghupathi (2020) found that expanding access to healthcare
coverage positively impacts economic growth, particularly through job creation and
increased spending on healthcare services.

Conclusion
A systematic evaluation of the economic healthcare issue of inadequate health insurance

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coverage at the primary care clinic has identified several potential solutions to improve access
to care for uninsured patients. By implementing these solutions, the clinic can better serve its

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patient population and promote better health outcomes for the community.

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References
Artiga, S., Hill, L., Orgera, K., & Damico, A. (2021, July 16). Health coverage by race and
ethnicity, 2010-2019. Kff.org.
https://www.kff.org/racial-equity-and-health-policy/issue-brief/health-coverage-by-race-and-ethni
city/

Barbot, O. (2020). George Floyd and our collective moral injury. American Journal of Public
Health, 110(9), e1–e1. https://doi.org/10.2105/ajph.2020.305850

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Cable, N. (2020). COVID-19 pandemic: Urgent needs to support and monitor long-term effects

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of mental strain on people. American Journal of Public Health, 110(11), 1595–1596.
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Carpenter, C. S., & Sansone, D. (2021). Cigarette taxes and smoking among sexual minority
adults. Journal of Health Economics, 79, 102492.

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https://doi.org/10.1016/j.jhealeco.2021.102492

Chernew, M., Cutler, D., & Shah, S. (2021, August 18). Reducing health care spending: What

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tools can states leverage? | Commonwealth Fund. Www.commonwealthfund.org.
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Daghlas, I., Lane, J. M., Saxena, R., & Vetter, C. (2021). Genetically proxied diurnal preference,
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sleep timing, and risk of major depressive disorder. JAMA Psychiatry, 78(8), 903-910.
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Folger, J. (2021, May 26). The causes and costs of absenteeism. Investopedia.
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Galvani, A. P., Parpia, A. S., Foster, E. M., Singer, B. H., & Fitzpatrick, M. C. (2020). Improving
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Gonzalez, D., Karpman, M., Kenney, G., & Zuckerman, S. (2021). Delayed and forgone health
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-nonelderly-adults-during-the-covid-19-pandemic_1.pdf

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Institute of Medicine. (2019). Effects of health insurance on health. In G. Anderson, J. A.
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Keisler-Starkey, K., & Bunch, L. (2021, September 14). Health insurance coverage in the United
States: 2020. The United States Census Bureau.
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Lyons, M. J., Fernandez Poole, S., Brownson, R. C., & Lyn, R. (2022). Place is power: Investing

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Ward, B. (2020, May 5). The impact of Medicaid expansion on states’ budgets | Commonwealth
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Young, G. J., Zepeda, E. D., Flaherty, S., & Thai, N. (2021). Hospital employment of physicians
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in Massachusetts is associated with inappropriate diagnostic imaging. Health Affairs, 40(5),

710–718. https://doi.org/10.1377/hlthaff.2020.01183
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