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There is a stark contrast in the quality of medical care between insured and uninsured patients. Insured patients typically have a Primary Care Physician (PCP) who manages and coordinates their care, while uninsured patients often rely on whatever facility they have access to during a health emergency. Unfortunately, uninsured patients often lack access to medical records and follow-up care, making it difficult for doctors to provide accurate diagnoses and appropriate treatment. This can be especially challenging for patients who are struggling with mental health issues, as timely access to care can be critical for their well-being.

During our evaluation of patient care services at an outpatient medical facility, we noticed that uninsured patients often skipped follow-up visits or blood tests due to the cost, which made it harder to provide proper care. We also observed that international visitors faced similar challenges, such as difficulty affording multiple doctor visits, lab tests, and prescriptions. Furthermore, different pharmacies charged varying amounts for the same prescription, resulting in higher out-of-pocket costs for all patients, including those with insurance.

Moreover, health insurance has become unaffordable for many employers, especially small businesses. Many businesses do not offer health insurance benefits to part-time employees or new hires, and even when they do, the high employee contributions towards monthly premiums and deductibles make it unaffordable for many.