You may have heard about the Affordable Care Act (ACA) in the news. Consider the ways in which the government is trying to repeal or replace the ACA by watching the video about the Graham-Cassidy plan. Many people have taken on this issue, both online, and in main stream media. For example, late night host Jimmy Kimmel asked if the plan passes the "Jimmy Kimmel test" and would protect children like his son, who have pre-existing conditions. Conduct some of your own research online. Use a technique like Debate.org where you find articles that include different viewpoints and "sides" of the argument. There are many emotional appeals on both sides of the debate. How do you know if the articles contain facts? When you find articles, you can use Politifact to check on current news about healthcare reform. Politifact checks sources and searches for evidence in order to rate claims on their truth-o-meter, from true to pants-on-fire.
What do you think? Learn more about healthcare by watching the Introduction to the U.S. Healthcare System by Khan Academy to understand the healthcare system. Then watch the CNN video on why healthcare is so expensive in the U.S. What did you discover?
What are some solutions to the health care insurance problem? Read what Florida Blue is doing. Then conduct more research online. Have your class participate in some of the debates about national healthcare on Debate.org.
Standards and Economics Questions (EQs)
Elementary SS.4.FL.6.3 Describe ways that individuals can either choose to accept risk or take steps to protect themselves by avoiding or reducing risk. Discuss how people can buy health insurance to protect themselves if they get sick or injured. How can people protect themselves from risks to their health?
Middle School SS.8.FL.6.5 Discuss that insurance companies charge higher premiums to cover higher-risk individuals and events because the risk of monetary loss is greater for these individuals and events. What is a pre-existing condition? Why might insurance companies want to charge a higher premium to individuals with a pre-existing condition? What do you think about this practice? What about people who participate in high-risk activities? Should smokers pay more for health insurance? (they do)? What about other risky activities?
High School SS.912.FL.6.7 Compare the purposes of various types of insurance, including that health insurance provides for funds to pay for health care in the event of illness and may also pay for the cost of preventative care; disability insurance is income insurance that provides funds to replace income lost while an individual is ill or injured and unable to work; property and casualty insurance pays for damage or loss to the insureds property; life insurance benefits are paid to the insureds beneficiaries in the event of the policyholders death. Research different health insurance plans. What types of things do they cover?
High School SS.912.FL.6.3 Describe why people choose different amounts of insurance coverage based on their willingness to accept risk, as well as their occupation, lifestyle, age, financial profile, and the price of insurance. After reading and watching videos about health insurance, discuss why people might choose different amounts of insurance coverage.
High School SS.912.FL.6.6 Explain that people can lower insurance premiums by behaving in ways that show they pose a lower risk. How might people lower their health insurance premiums? What are some risky activities they can stop?
For More Information on Health Insurance:
Deborah Kozdras, Ph.D.