HSA 405- Analyze the benefits of health insurance on access to care, including two examples of the benefits of having insurance.



Explore policies and regulations related to health insurance and examine different factors that impact patient access. In this assignment, you will explore health insurance, how it works, and the challenges in accessing healthcare to communicate the benefits of coverage to patients and families.


Write a 23 page paper in which you:

  1. Analyze the benefits of health insurance on access to care, including two examples of the benefits of having insurance.
  2. Evaluate barriers to accessing healthcare, including two examples of barriers and recommendations for their removal.
  3. Summarize the Affordable Care Act including two provisions that affect patient care.
  4. In addition to the textbook, provide two sources to support your writing. Choose sources that are credible, relevant, and valid. Cite each source listed on your source page at least one time within your assignment. For help with research, writing, and citation, access the or review .

This course requires the use of Strayer Writing Standards. For assistance and information, please refer to the Strayer Writing Standards link in the left-hand menu of your course. Check with your professor for any additional instructions.

The specific course learning outcome associated with this assignment is:

  • Analyze initiatives and challenges associated with accessing health care.


Health insurance is an important factor in determining access to healthcare, as it can provide individuals with the financial and logistical resources needed to get the care they need. In this essay, I will analyze the benefits of health insurance on access to care, providing two examples of the benefits of having insurance. Additionally, I will evaluate barriers to accessing healthcare, providing two examples of barriers and recommending their removal.
Health insurance has been found to be an effective tool for improving access to care for populations. Studies have shown that access to health insurance is associated with better health outcomes, including reduced mortality, improved health status and quality of life, and reduced financial barriers to health care (Saksena, Antunes, Xu, Musango, & Carrin, 2011). Health insurance can also reduce disparities in access to care by providing greater access to services for those who may not have the financial means to access healthcare without it. Research demonstrates that having insurance coverage can increase the likelihood of receiving preventive care, including routine check-ups and screenings, as well as improve access to care for more complex illnesses (Saksena et al., 2011). For those who may not have access to care due to financial barriers, health insurance can provide access to care that would otherwise not be available. Additionally, health insurance can provide access to services that may not be covered by other types of insurance, such as mental health services or long-term care. In summary, health insurance is an effective tool for increasing access to care and improving health outcomes, while also reducing disparities in access to care and providing access to services that may be unavailable without it.
Insurance is a beneficial tool for many individuals and businesses, as evidenced by the article “The Strategic Role of Insurance in Risk Management” by J Peloza in the California Management Review (2006). Insurance not only protects financial assets and investments, but also provides peace of mind. For example, having health insurance can ensure that an individual or family can receive medical treatment in the event of an illness or injury. By having health insurance, individuals and families can save money on medical expenses as well as protect their savings from medical costs. Similarly, having home insurance can protect a home and its contents from damage or destruction due to natural disasters or other causes. This can help to prevent financial ruin in the event of a disaster. Furthermore, having life insurance can provide financial security to the family of the insured in the event of their death. This can help to maintain the financial stability of the family and allow them to continue living their lives without the additional burden of financial hardship. Ultimately, insurance can provide invaluable benefits to individuals and businesses, allowing them to protect their assets and investments as well as providing peace of mind.
The study conducted by C Houghton, P Meskell, H Delaney, et al. (2020) aimed to evaluate barriers to accessing healthcare, including examples and removal recommendations. To do this, the authors conducted a systematic review of the literature. This review included a wide range of sources, such as published literature, grey literature, and online resources. The authors found that the most common barriers to accessing healthcare were financial, geographic, cultural, and physical. For example, individuals who live in rural areas often lack access to quality healthcare services due to the lack of healthcare providers in these areas. Furthermore, individuals from marginalized communities often face cultural barriers when trying to access healthcare, such as language and cultural differences. In order to remove these barriers, the authors recommended increasing financial support for healthcare services,
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