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. The Efficacy of Public Health Insurance for Low-Income.
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