Since time immemorial, human beings have started indulging in formatted games of chance or gambling as they are more formally known there is not a single society or culture which has not experienced the over-whelming influence this game had on shaping its thoughts, beliefs and course of events. For people indulging in these games it elevated to a special significance, moving from merely being a game to a passion, an indulgence that consummated their senses, their decisions and even their existence. All other concerns became secondary receding to the back of the mind while hands, eye and brain became synchronized into shelving that deck of cards.As far as India is concerned, if mythology is to be believed, we had more then requisite share of gambling affecting our socio-economic as well as political order. Pundits still argue that Mahabharata was nothing but the second stage of what was initially a mere board game with dice. Entire kingdoms, valor, pride and even modesty were hedged as a bet that eventually changed the face of Aryan superiority in the great Indian sub-continent. Then there is reference to Raja Nala of yore (of Nal-dayamanti fame) who also felled prey to the temptation of the dice. So, gambling in whatever format has often left a sinister scar on the face of humanity. Though that is changing as of now but whatever the case may be the influence of gambling has often been undeniable.The social and economic impact of gambling has attracted lots of research primarily because they were needed to bolster the arguments of two groups which are very polarized in their opinion as to the influence of gambling. Those who consider gambling a serious ill argues that gambling is an unproductive pursuit. It is a sterile activity that offers no productive value, creates no output, no money or goods are generated though considerable time and resources are absorbed in the same. Though they forget that the same logic can be applied to Disneyland, movie and other such pursuits whose sole purpose is providing recreation and any economist worth his salt will vouch that recreation is a very important activity for any thriving economy. There are others who will still maintain that gambling as a habit often comes riding on with many other behavioral disorders, a situation termed as Co-morbidity that creates strong economical disorders pertaining to an individual pushing him to bankruptcy or worse still to a life of crime but alas! There is still no conclusive research that will prove any correlation between gambling and bankruptcy or for that matter with any tangible consequence.On the other hand are those who argue with facts and figures as to how legalized gambling over a period of time has resurrected the fortunes of many a dwindling economies and save the citizens of sure bankruptcy. Casinos being highly labor intensive creates increased employment opportunities for the population around them. Facilities are built and supplementary businesses have a field day catering to the gambling tourists. The whole economy gets a boost up and millions of dollars are paid simply as tax revenues from these gambling havens. This all is done through the cash that has been attracted from outside the economy resulting in an overall profit. Las Vegas is the perfect example of such a booming economy that has turned the whole city into one giant casino and emerged as the entertainment capital of the world. Then economists also point out that there is the satisfaction of people who always wanted to gamble and in legalized economy can now gamble. This satisfaction is of paramount importance in economy and is termed as Consumer Surplus, a term that can be in theory computed for its dollar value.As far as social impact of gambling are concerned there are again divergent views. While some maintain that overall prosperity that comes along with business of gambling is good for social health it has to be kept in mind that often gambling is done in formats which are not legalized. In such situations gambling is often associated with issues like money laundering, trafficking overall corruption, etc. which are detrimental to the health of any society. Gambling, by itself is an awkward issue with most societies. They cannot deny the fact that it is hugely popular because it exists in one or the other form in almost all societies indicating that individuals by nature are prone to gambling. But then again the basic premise of gambling goes against the fabric of modern day societies where pay is equated with one’s productivity. On the other hand most formats of gambling are games of chance with little or negligible skill required and results are dependent on lady luck smiling at the gambler.This is the reason why many religions, notably Islam and Protestant faith in Christianity, are vehemently opposed to the concept of gambling as they find the idea of one person prospering at the cost of another repulsive. They consider it as a human weakness and blasphemous to think that God will not provide as per the needs of an individual and they had to turn to vices to get their needs fulfilled.As a result societies are often confused about gambling. On one hand realizing it as a great source of income and revenues they have legalized it as in different state lotteries. They treat it as giving vent to the natural urge of the citizens who will otherwise resort to illegal gambling. On the other hand they have realized the potential for devastation this seemingly innocuous activity can take place and is fighting tooth and nail to curb it. Example of this will be the betting that goes on in the sports circle like cricket, etc. Since stakes are so high people often stoop to unfair practices that are tantamount to duping innocent people involved and hence needs to be curtailed.
Health care has become a hot button issue for politicians and voters in the recent past. Some people believe that there should be a universal health care system put into place so that every citizen has access to health coverage. Others think the health care system should stay the way it currently is with private health care companies in control as opposed to the government taking control of health policies.As with every debate, money plays a role in the controversy behind health care. A public health system would cost hundreds of billions of dollars, which would add additional strain to the government’s already stretched budget. In order to finance a public health care plan, taxes would have to be raised. Some citizens who would carry the bulk of this tax burden don’t think they should have to, since they are not effected by the current care crisis.The argument for the other side states that the current cost of health insurance is becoming so expensive that many Americans can’t afford to pay their monthly premiums. Also, uninsured Americans are presently costing hospitals millions of dollars every year in unpaid medical bills.People who are against a universal care plan claim that healthy Americans who take care of themselves should not have to shoulder the burden of Americans who do not take care of themselves. Statistically, wealthier means healthier in America.Those on the other side of the issue believe that every citizen should have access to safe and affordable health insurance coverage. They claim that this type of health plan is not available to everyone today for various reasons including having one of the many pre existing conditions that automatically disqualify millions of Americans from obtaining health insurance under the current system.At it’s core, the controversy over health care comes about simply because it’s a subject that effects every single person in the United States, whether they are insured under the current system or not. A universal care plan would also mean more government interference in the individual lives of citizens, which is a subject that many have strong opinions about. Our health policies can determine our quality of life and can even determine whether we live or die. For some, a government run system could not only allow them the freedom to see a doctor whenever they needed to, but it could also mean receiving medical attention that could potentially save their life. Others who are currently covered and have a great insurance policy could see their coverage worsen to a point where their quality of life suffers dramatically.
In these times of rising expenses and inflation, it is necessary that we have some affordable health care insurance policy that takes care of the medical expenses of our family should an emergency arise. Nothing can be predicted in life. There could be diseases or illnesses that could strike us or any family members or any of us could meet with a serious accident. In such a time, if we have a proper insurance policy, then it would be easy to provide proper medication to the concerned person. Without an affordable insurance policy, it can be difficult to pay for the huge medical expenses and hospital bills that arise due to an illness or accident.To understand about the affordable health care insurance policies that can help you and your family in times of crisis, we have listed a few options. The first one is Fee For Service Plan. In this, you have to pay for the medical bills and treatment and you can later get the amount reimbursed from the insurance company. Then, there is the Health Savings Plan. If you opt for the normal plan, it covers all your medical expenses related to routine medical check-ups. If you opt for the higher deductible plan, you can get insurance for serious accidents and critical illnesses. This is to provide you insurance against the risk of losing a near and dear family member to a serious illness or in case of an accident.In case you have registered for the Health Maintenance Organization insurance plan, then you need to make a co-payment and take treatment from a listed set of doctors in the plan. After you make the co-payment, the insurance company will take care of the rest of the treatment. However, if you wish to get treated from the doctors of your choice, then you can opt for Preferred Provider Organization wherein a certain percent of the bill (it is called coinsurance) has to be paid by you while the rest is taken care of by the insurance company. For those who are healthy and do not need regular medical check-ups, this system is beneficial as you get the choice to be treated by doctors of your preference.These are some of the affordable health care insurance options that are available to provide medical coverage for you and your family members. It is very necessary that we have some plan for our family so that in case someone in the family suffers from a sudden ailment or an accident and high medical expenses have to be incurred, we do not have to look around for money but be able to easily provide the required treatment and get the money from the insurance company.