Health insurance in the United States

भिडियो हेर्न तलको बक्स भित्र क्लिक गर्नुहोस

For details about the number of uninsured persons, see Health insurance coverage in the United States. Main articles: Health insurance, Insurance in the United States and Health care in the United States Health care in the United States,Government Health Programs,Federal Employees Health Benefits Program,Indian Health Service,Veterans Health Administration,Military Health System / TRICARE Medicare,Medicaid / State Health Insurance Assistance Program (SHIP),State Children's Health Insurance Program (CHIP),Program of All-Inclusive Care for the Elderly (PACE),Prescription Assistance (SPAP),Private health coverage,Health insurance in the United States,Consumer-driven health care,Flexible spending account (FSA),Health Reimbursement Account,Health savings account (HSA),High-deductible health plan (HDHP),Medical savings account (MSA),Private Fee-For-Service (PFFS),Managed care (CCP),Health maintenance organization (HMO),Preferred provider organization (PPO),xclusive provider organization (EPO),Medical underwriting Health care reform law,Emergency Medical Treatment and Active Labor Act (1986),Health Insurance Portability and Accountability Act (1996),Medicare Prescription Drug, Improvement, and Modernization Act (2003),Patient Safety and Quality Improvement Act (2005),Health Information Technology for Economic and Clinical Health Act (2009),Patient Protection and Affordable Care Act (2010),State level reform,Massachusetts health care reform,Oregon Health Plan,Vermont health care reform,SustiNet (Connecticut),Dirigo Health (Maine),Municipal health coverage,,Fair Share Health Care Act (Maryland) Healthy Howard (Howard Co., Maryland),Healthy San Francisco,My Health LA,Healthy Way LA This box: view talk edit In the United States, health insurance is any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a social welfare program funded by the government.[1] Synonyms for this usage include "health coverage," "health care coverage" and "health benefits." In a more technical sense, the term is used to describe any form of insurance that provides protection against the costs of medical services. This usage includes private insurance and social insurance programs such as Medicare, which pools resources and spreads the financial risk associated with major medical expenses across the entire population to protect everyone, as well as social welfare programs such as Medicaid and the State Children's Health Insurance Program, which provide assistance to people who cannot afford health coverage. In addition to medical expense insurance, "health insurance" may also refer to insurance covering disability or long-term nursing or custodial care needs. Different health insurance provides different levels of financial protection and the scope of coverage can vary widely, with more than 40 percent of insured individuals reporting that their plans do not adequately meet their needs as of 2007.[2] The share of Americans with health insurance has been steadily declining since at least 2000. As of 2010 just under 84% of Americans had some form of health insurance, which meant that more than 49 million people went without coverage for at least part of the year. Declining rates of coverage and underinsurance are largely attributable to rising insurance costs and high unemployment. As the pool of people with private health insurance has shrunk, Americans are increasingly reliant on public insurance. Public programs now cover 31% of the population and are responsible for 44% of health care spending. Public insurance programs tend to cover more vulnerable people with greater health care needs. Many of the reforms instituted by the Affordable Care Act of 2010 were designed to extend health care coverage to those without it.