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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債務重組成功率
進入個人財務的旅程，經歷債務會經常感覺風暴那隻是不會通過。那你實際選擇當你是與壓倒性義務作鬥爭，這是重要的知道。本文將解開三個關鍵解決方案：個人自願安排（IVA），信用卡債務減免產品（DRP）和破產。所有這些路徑提供了獨特的貨幣恢復的可能性可以允許你恢復控制你自己。
特定的自願安排（IVA）被創建提供一種方法那是有組織的償還您財務困境。iva簡直就是正式的協議以及你的概述付款計劃的債權人基於你的錢。通常在兩者之間持續三到五多年，這種安排允許您付款你可以管理每個月。關於iva基於它的保護 – 您不會應付積極的債權人或行動是合法的這個時代。當你實現問候IVA，任何剩下的債務經常被原諒，幫助您開始新鮮。
話雖如此，債務減免計劃（DRP）為您提供更多靈活的方法專注於談判和你一起債權人直接。這項技術是特別的有益有個人許多債務或貸款那是高息。通過DRP，有
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