Public Health Regulation and Insurance

Topic: Public Health
Words: 327 Pages: 1

Public health is the science of promoting good health and preventing diseases in communities through policy-making, education, and research to prevent injury and illnesses. The government engages in public health through the judiciary, legislature and the executive spheres. A system of checks is provided by the constitution to enable every government’s branch to oversee and control the other. Schneider (2020) explains that the law balances individuals’ safety and well-being against self-determination rights, the right to refuse medical requests, and informed consent. Fortuity insurance element is illustrated by three defenses used to deny claims by the insurers.

The insurable interest states that the damaged property will adversely affect the secured person’s finances (Schneider, 2020). Risk shifting requires the insurer to take the insured person’s financial burden while risk distribution is whereby the premiums of the many pay the losses of a few. Therefore, people can live long through the efforts applied to public health.

Using an individual’s benefits helps reduce costs and receive enhanced quality care. For example, conducting routine tests assists healthcare providers identify issues early and treat them (Schneider, 2020). Additionally, people can attend the discounted or free services offered by hospitals and receive quality care. This encourages the community to stay healthy and prolong lives. The Affordable Care Act addresses public health in three ways. Public health capacity was expanded through the establishment of new structures and programs. The act also increased clinical preventive services access, therefore encouraged people to take medical covers (Schneider, 2020). The primary health measures’ tracking and research were also supported through introducing affordable medication.

In summary, public health involves prolonging the life of individuals in a community or nation by preventing health problems. The five insurance elements include fortuity, an insurable interest, definable risk, danger shifting, and distribution. A person’s benefits promote good health because diseases are identified and treated in their early stages. ACA has improved healthcare access, reduced disparities, and the community’s money used to provide medical help.


Schneider, M. J. (2020). Introduction to public health. Jones & Bartlett Learning.

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