Health insurance in the United States

Health insurance in the United States

Health insurance in the United States is a program that helps pay for medical expenses through privately purchased insurance, Social Security, or government-funded welfare programs. , and “Health Benefits”. In a more technical sense, the term “health insurance” refers to any form of insurance that provides protection against the cost of medical services. This use includes both private insurance programs and social security programs like Medicare. This pools resources and spreads the financial risk of high healthcare costs across the population to keep everyone safe. It also includes social welfare programs such as Medicaid and children’s health insurance programs. In time, we will help those who cannot afford health insurance. Health insurance in the United States






Health insurance

“Medical Insurance” may also refer to insurance that covers disability or long-term care or support needs, in addition to medical expense insurance. Different health plans offer different levels of financial protection, and more than 40% of policyholders said their plan did not adequately meet their needs (2007). , the percentage of Americans without health insurance has halved since 2013. Many of the reforms introduced by the Affordable Care Act of 2010 were aimed at extending healthcare to those without health insurance.




However, high cost growth continues unabated. National healthcare spending is projected to grow by 4.7% per capita annually from 2016 to 2025. Public health care accounted for 29% of federally mandated spending in 1990 and 35% in 2000. And by 2025, it is projected to be about half that size.

Private Insurance Trends

The percentage of non-elderly people with employer-sponsored insurance fell from 66% in 2000 to 56% in 2010, stabilizing after the passage of the Affordable Care Act. Did. Workers who worked part-time (less than 30 hours per week) were less likely to be offered insurance by their employer than those who worked full-time (21% vs. 72%).

The main trends in employer-sponsored coverage are rising health care premiums, deductibles, and copayments, and the cost of using non-network providers instead. is an increase in of the in-network provider.





Public Insurance Coverage Trends

Public insurance coverage increased from 2000 to 2010. Funding for Medicaid and CHIP was significantly expanded under the Health Care Reform Act of 2010. The percentage of people covered by Medicaid increased from 10.5% in 2000 to 14.5% in 2010 and 20% in 2015. 2015.

Uninsured Status

The uninsured rate remained stable at 14-15% between 1990 and 2008, but dropped to 18 in Q3 2013. % and then dropped rapidly to 1015%. The uninsured share is stable at 9%.

A 2011 study found that 2.1 million hospitalizations were due to uninsured patients, accounting for 4.4% ($17.1 billion) of total US inpatient hospitalization costs. The cost of uninsured treatment often has to be paid for by health care providers as charity care, passed on to insured people through cost shifts and higher health insurance premiums, or paid for by taxpayers through tax increases.






Social Safety Nets

Social Safety Nets are providers that organize and provide critical levels of health care and other necessary services to uninsured, Medicaid, and other at-risk patients. refers to This is important. After the advent of the Affordable Care Act, the uninsured rate for Americans is still 10.9%, or 28.9 million for him in 2019. This is not only because the ACA has not filled the undocumented homeless population gap.

However, higher premiums, political factors, the failure to expand Medicaid in some states, and inadequate financial assistance can lead to social safety nets being uninsured. These are just a few of the reasons why people need it. Most people without insurance are working, low-income, and non-elderly minorities. Social Security network hospitals primarily serve these uninsured populations. For example, California’s public health system accounts for only 6% of the state’s hospitals, but provides 38% of all uninsured hospital care in California. Of those, 123,000 are homeless and 3.6 million live below the federal poverty line.






Health insurance

One way the United States has addressed this social safety net need is with the introduction of free clinics. Examples of federally accredited health centers. Free clinics are uninsured clinics that offer free services and typically rely on volunteers or lay medical professionals. The creation of the National Council of Free Clinics not only reflects the need for licensed staff. But also helps fill gaps in access to healthcare, primarily for the uninsured or underinsured. increase.






A study published in the American Journal of Public Health found that people without health insurance. Were more likely to die each year than those with health insurance because they lacked timely medical care. is 40% higher. The study estimated that in 2005 he had 45,000 deaths in the United States related to lack of health insurance. A 2008 systematic review found consistent evidence that health insurance increased service utilization and improved health outcomes.






An uninsured patient shares his experience with the US healthcare system.

A study at Johns Hopkins Hospital found heart transplant complications were most common among uninsured individuals. Those with private health insurance were covered by Medicaid and Medicare. He was living a better life than the patient.






The Affordable Care Act of 2010 primarily expands Medicaid. Provides financial incentives for employers to provide. It was intended to extend health coverage to those without health insurance by requiring new insurance. Established a health insurance exchange. This obligation for almost everyone to maintain health insurance is often referred to as the “personal obligation.” The CBO estimates that by 2022, about 33 million people who would otherwise be uninsured will be covered under the law.






Elimination of personal obligations

The Tax Cuts and Jobs Act of 2017 effectively eliminated personal obligations. This means that after 2019, individuals will no longer be penalized for not maintaining health insurance.
CBO projects that the change will add 4 million more uninsured people to him by 2019 and 13 million more by 2027.







Main article: Health Insurance Coverage in the United States § Underinsured. An insured person has insufficient insurance to afford adequate medical care due to pre-existing conditions, high deductibles, copayments, etc. You may not have subscribed. In 2019, Gallup found that while only 11% of respondents said they had no insurance, 25% of U.S. Adults had no insurance by the end of the year, up from 12% in 2003 and 19% in 2003. Found that he or a family member had delayed treatment for a serious illness. In 2015, 33% of them reported delaying treatment, compared with 24% in 2003 and 31% in 2015.

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