Like I’ve mentioned in a few of my previous posts, this pandemic has brought on a lot of changes for everyone– but there is variation in how COVID-19 has impacted different groups of people. The experience of racial and ethnic minorities during this pandemic has been very different from other groups and is reflective of health outcomes that often exist for minorities in the U.S.
COVID-19
In New York City, the death rates for Black/African American individuals is much higher due to the virus, than it is for other racial/ethnic groups (1). The chart below shows the disproportionality of the effects of COVID on the population of African American individuals in a few states. 
Compared to the total state population, the majority of patients affected by COVID are African American (2).
These disparities exist not only during this pandemic, but in healthcare in general:
Reasons for the Disparity
People who belong to racial or ethnic minority groups experience the health care system differently than others– many of the existing disparities in society lead to poorer health outcomes, as well as greater vulnerability to viruses and other illnesses. Many minority groups live in heavily populated areas or live in households with multiple generations, where social distancing might not be possible (1). Many work hourly, so health benefits are not part of the package and health services become difficult to access (2). There is also a much higher population of racial and ethnic minorities in jails, prisons, etc. which are again, places that increase the risk of spread of viruses and other illnesses (1).
Also, because of the social distancing measures that have to be taken because of the pandemic, there has been a decrease in quality of care for patients who don’t speak English (4). Before, interpreters/translators could be present in person during a patient’s visit, which makes it much easier to translate and understand the patient’s concerns and symptoms. Now, a lot of interpreters have to work over the phone and it’s possible that a lot of information is getting lost in translation because it’s just harder to have a conversation and understand each other that way.
While the pandemic has affected everyone in one way or another, it has not affected everyone equally. The social determinants of health that I talked about in my first blog, in addition to factors such as racism, geographic location, and poverty, play a large part in deciding how an individual is affected. Unfortunately, the same level and quality of healthcare are not available to every person. Moving towards a system that addresses these disparities and provides excellent health care to each patient will involve first resolving the inequalities that exist in health care delivery in general and access to healthier food, exercise, etc. Additionally, training healthcare providers to better understand cultural differences and barriers to care could improve health outcomes for minority groups (3).
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所以，正是什麼“單卡方法”是否涉及？這個計劃鼓勵一個注意償還一個特殊的債務同時， 通常你開始高息信用卡以其核心。通過僅集中有這個特定的一個責任，你會簡化您的財務管理在製作時進步這當然是有形。使用鼓勵需要保持在正確的通往債務自由當你觀察這種平衡減少，動機將建立，為您提供。
與經濟顧問一起工作可以升起有效性很大與“單卡方法。”這些專業人士帶來財富真實信息和經驗到餐桌，為您工作瀏覽通常是管理層的景觀。如果您在旅途中感到迷失這當然是經濟專業知識可能是賭場遊
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所以，正是什麼“一張卡片”真的建議嗎？這個計劃中心消除一個債務任何時候， 尤其信用卡或攜帶的貸款更高利率本質上。通過集中精力您的時間和精力和努力償還這個債務那是單身的，你可以減少你的每月財務負擔，逐漸增強您的信用資料。此方法那是目標令人沮喪的任務債務還款更可行少得多壓倒。
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