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Obstacles to Healthcare Access in America

Let’s talk about the healthcare system in the US. It is complex, and contrary to popular belief, employment does not guarantee accessibility to it. This insecurity especially applies to the 27 million part-time workers in the country who are not eligible for health benefits from their employers. The knee-jerk response is often to chastise them to “stop being lazy” and pick up extra shifts or work harder to “deserve” these benefits, but the reality is not as simple as that. To be considered part-time, one has to work 30 hours or less.


The Guardian found that often, employers would slash hours to keep employees as part-time so that they didn’t have to pay extra costs in health benefits. Many other intersecting issues keep people part-time, one of which is a disability. The Bureau of Labour Statistics in 2018 found that at least 31% of employed disabled people were part-time and were unable to work more hours due to their conditions.

For a country that spends the most money on healthcare in the world, the pay-off is astoundingly low. According to the Office of Disease Prevention and Health Promotion, the main obstacle that people face in accessing medical services is cost. To combat this issue, Carepay™ has set out to demystify the American healthcare system and help people navigate it more efficiently. Firstly, tackling the problem of cost, the platform helps in locating affordable healthcare options and provides a secure payment method with its Carepay™ Wallet. It also makes medical prices more transparent, so customers can see exactly where their money is going.


According to a study conducted by Earnin, 54 percent of Americans receive delayed medical care for themselves, most often in the areas of dental care, annual exams, or eye-care. A national poll presented at the American Society on Aging Conference in 2018 found that around 44 percent of people in the US do not go to the doctor upon being sick or injured. Carepay™ has dental, vision, and prescription partners that bring in a range of affordable products for its members. It also has partners that provide hospital plans to cover inpatient costs and the option to cover deductibles. This affiliation takes care of the 50 percent of people who, in a bid to cut costs, do not fill prescriptions, or are unable to access necessary medical exams and treatments.


Lastly, Carepay™ has collaborated with AFLAC, which is the largest supplier of supplemental insurance in the US. AFLAC will help patients with out of pocket expenses, and Carepay™ is making it available to its members at group rates.

In the end, Carepay™ aims to provide people with the resources to live with the peace of mind that they will have the ability to access the care they need when they need it. Health is the most critical aspect of one’s life, and people should be able to take care of themselves without having to go bankrupt.

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