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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什麼是“一張卡清除”方法？這個計劃鼓勵一個優先級還款只有一個一次特定債務 – 通常充電卡通過高價的核心。經過集中精力首先還清此債務，您可以簡化還款過程並產生更清晰的方式自由那是經濟的。觀看那個具體平衡收縮可以啟發你幫助保留推動，製作責任這當然是一般打火機。
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所以，那是什麼“一張卡片”真的建議嗎？這個計劃中心消除一個債務在任何給定時間， 尤其信用卡或攜帶的貸款頂部利率本質上。通過集中精力你的時間和努力償還這個債務這當然是單身的，有可能減少你的每月財務負擔，逐漸舉起你的信用資料。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。
貸款專家扮演角色這是朝著經濟清晰的旅程的關鍵。這些專業人士深入知識融資格局並將提供對齊的量身定制建議和你一起獨特的情況。如果是經歷了捕獲在下面幾個債務的
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所以，什麼是“一張焦點”方法？簡單地說，真的是關於零利用一項債務 – 通常是特定的高利息信用卡，而專注於你們所有首先要花費良好的努力。經過集中精力債務重組那是孤獨的您簡化了還款程序並做它更可行。你會得到的能量和靈感，可以推進任何人承擔額外的債務，並帶有新的自信即使你意識到這一點穩定性降低。
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