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The Efficacy of Public Health Insurance for Low-Income

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The Welfare Reform Act of 1996 had major effects on the eligibility of pregnant women and their child for Medicaid. The Temporary Assistance for Needy Families (TNAF) rules really impacted employed low-income mothers. Due to this, a large chunk of women lost their Medical benefits, without aftermath access to private insurance coverage. (Aday 163) Further, about 30% of doctors offering obstetric services decline to support Medicaid patients as many poor do not have coverage under Medicaid due to program access restrictions or due to the fact that their income fall above the restrictive state income eligibility guidelines.

Medicare is a federal social insurance scheme that offers some particular health care benefits for individuals in the age group of sixty-five years and old. Those who are working in private institutions and companies on a full-time basis are covered under private medical insurance benefits. Due to accelerating costs of medical care, the number of Americans with no health insurance covered soared due to cutbacks in health care benefits both in the industrial and governmental sector. The Omnibus Budget Reconciliation Act of 1981 declined many poor working class employees from eligibility by restricting deductions for work-associated overheads, earned income, child care and by shrinking the budget for the Aid to Families with Dependent Children (AFDC) resource requirements.

For those with no private or public insurance coverage, state governments undertake the responsibility of financing both the mental patients and persons fighting with AIDS / HIV. (Aday 160) There are about 12 million uninsured children in U. S.A and seven million are presently eligible for health insurance under CHIP (Child Health Insurance Program) and under Medicaid. Further, nearly 5 million children are not benefited from any program at all.

One survey found that Latina and Black women are more prone to poverty than White women. Educational disadvantage among minority women plays a pivotal role in the higher unemployment and poverty rates suffered by this segment.

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