The health care system model in the United States is complex and diverse, as there is no universal health care system. Instead, there is acombination of public and private systems that provide health care services. Do you know them?
In this article, we’ll explore the dynamics and challenges inherent in this combination of systems to help you make decisions tailored to your specific needs. Move forward!
Public Health in the United States
Since its passage in 2010, the Affordable Care Act , also known as Obamacare, has expanded health coverage for millions of Americans.
This initiative had a significant impact on the lives of millions of Americans. According to the Department of Health and Human Services, more than 30 million people benefited from Obamacare in 2022.
Among its benefits we find that it provided subsidies for health insurance and prohibited the denial of coverage due to pre-existing conditions. Let’s take a closer look at the specific programs that contribute to this expanded coverage:
Medicare
Medicare is primarily intended for people over the age of 65, but it also covers younger people with certain disabilities. The eligible population enrolls in the program and receives coverage for hospital services and medical services.
Although it’s federally funded, Medicare may also include private plan options, known as Medicare Advantage plans, that offer additional coverage.
Medicaid
Medicaid is a health insurance program for low-income people. It provides access to essential health care for those who might not otherwise be able to afford it.
Children’s Health Insurance Program (CHIP)
CHIP provides health coverage to children from low-income families who do not qualify for Medicaid. This ensures that children have access to essential medical services, including doctor visits, hospitalization, immunizations, and more. Similar to Medicaid, CHIP is a joint program funded by the federal and state governments.
Private healthcare in the United States
The health insurance system in the United States plays a critical role in access to health care. Although they are mainly private, people can acquire coverage through different channels.
One of the most widespread modalities is through employers. Many companies offer their employees health insurance plans in the United States as an integral part of employment benefits. This type of insurance, known as employer health insurance, provides comprehensive coverage for both workers and their families. In this case, the company assumes part of the costs of the monthly premium, allowing employees to access health coverage at a more affordable cost.
Those who do not get health insurance through their employers have the option of purchasing it individually on the private market. This approach allows individuals to customize their insurance plans to their specific needs and family circumstances.
Learn more about the types of health coverage in the United States in our video:
Health level in the United States
The level of health in the United States varies significantly depending on a variety of factors, including geographic region, access to health care, and socioeconomic disparities. In this context, life expectancy in the United States is about 78.8 years, which is relatively high compared to other countries, but lower than in many other developed nations.
Although about 91% of Americans have some form of health insurance, either private or through government programs, there are significant disparities in access to health care. Get to know them below:
Challenges in the U.S. health care system
High medical costs: High medical costs are a constant concern in the United States. The prices of prescription drugs and medical procedures can be prohibitive for many people.
According to the Kaiser Family Foundation, the average out-of-pocket medical expenses for a family in 2022 are about $5,200 a year.
Gaps in access: Despite health insurance programs, millions of Americans still lack coverage. Disparities in access to health care are a major problem, especially among minorities.
Quality of care: While the United States has high-quality hospitals, variations in health care still exist. Quality may depend on health status, location, and insurance coverage.
How to access health insurance as a foreigner
Research your options before immigrating: Before you move to the United States, research the health insurance options available in the state you’re moving to. This will allow you to make informed decisions and be prepared.
Legal advice: Seek legal advice from immigration experts to understand your rights and options regarding medical care as an immigrant. An immigration attorney can provide you with guidance specific to your immigration status.
Community Support Networks: Join immigrant groups and communities in your area. These groups can provide valuable information about local resources, affordable health care clinics, and assistance programs.
Financial planning: Prepare a budget that includes health care and insurance-related expenses. Factor costs like monthly premiums, deductibles, and copays into your budget.
Preventive coverage: Take advantage of free preventive services offered by many health insurance plans. This includes health screenings and immunizations.
Get to know the healthcare system in the United States
The healthcare system in the United States, with its complexity and challenges, demands a deep understanding for informed decision-making.
Through this article, we have explored the dynamics between the public and the private, highlighting the duality that characterizes this system. Despite the challenges we explore, we see a picture of improvement with the implementation of reforms such as Obamacare.
Although we at Interlink FBC do not directly offer these services, we are committed to providing you with access to highly qualified professionals who can provide you with the guidance and support you need. Contact us.
