Health Care and Health Insurance and Role of Government



Health Care and Health Insurance and Role of Government

I. Summary Analysis

When one talks about the way health insurance is referred as most of the times I United states, it is used to define or describe any program that has helped as far as the coverage of the medical expenses are concerned. Thing that has to be kept in mind is that whether the insurance is carried out with the help of private expenditures for instance health insurance programs or social insurance programs, or whether one talks about the healthcare programs that are initiated by the government, they are all termed as the part of the health care coverage in United States. There are many terms that are used interchangeably for the term health care and health insurance, for instance, they are also referred as health coverage, health care coverage and health benefits programs when one talks about how things work in United States.

Technicalities with the Health Care and Insurance Programs

As far as the technicalities with the health insurance programs is concerned, it has to be kept in mind that most of the these health care programs take into consideration the sort of protection they would provide against the medical services. Most of the programs such as Medicare and some other programs are used to make sure that how the resources that are allocated for the betterment of the health care insurance are being looked at. How one can pool the financial resources are how one can curtail the financial risks that are associated with the health insurance programs.

The share of American that are currently using this service are concerned, it has to be kept in mind that most of the people who are not taking into consideration the health insurance programs. As per the latest statistics, the shares of American that are availing this facility of the healthcare program are showing a decreasing trend. More or less 84% of the American have availed some sort of health insurance coverage or they are the part of some health insurance programs.

General Health Care Conditions in USA

As far as the general health care conditions in United States of America are concerned, it can be seen as compared to some of the other countries, the health per capita expenditure is highest in United States of America. The share of GDP that is spend on the health care programs is also on the higher side as it is more than 17% as per the latest statistics. But on the flip side, despite all this expenditure, the quality of the health care that is witnessed in United States is on the lowest side. The Common Wealth fund has indicated that USA is on the last number when one talks about the overall quality of the healthcare. The main reason for this apparent failure is that despite the expenditure is on the higher side, the efficiency is missing as far as the allocation of these ...