health insurance system in America is considered one of the most important insurance that exists in the country. It is well known that the cost of medical care in the United States is steep. Therefore, it is best to buy a health insurance plan and get your medical expenses covered by health insurance companies.

An overview

The concept of health insurance in the United States was first seen as voluntary programs. As early as 1850, had health insurance policies already exist, provided mainly by a fraternal beneficiary associations and cooperative associations of mutual benefit. Remained, however, the proliferation of health-care systems in the U.S. vague until the 1920s, when most people were treated at home, hence the need for comprehensive health insurance coverage is not necessary.

In addition, most insurance companies when reluctant to provide medical insurance, given the very low demand for this type of insurance. Experts say that it was at this time in history that insurers believe that health was not an insured service due to the high probability of moral hazard and adverse selection.

Moral hazard refers to mental states and behavioral changes brought about by an awareness that if something bad were to happen, everything is relieved of his or her insurance. Adverse selection, on the other hand, refers to a person’s predisposition to get insurance because he will likely have a use for it. Therefore, those who are sick and unhealthy are more likely to purchase health insurance than those who are healthy. Healthy people will probably not buy health insurance because they do not need it and would consider it as an elective and not absolutely necessary, in addition to being an extra fee.

But the development of medical engineering and medicine developed, the cost of medical treatment is expensive. And with the growing need for medical treatment, especially the older generation, more and more people were aware that they must get a good health insurance to cover their medical expenses.

And as the health insurance system in the U.S. continues to evolve, are commercial companies might offer limited health insurance coverage. Many trade unions and other companies could also provide limited health insurance plans. Most medical insurance policies carried out by Blue Shield and Blue Cross. They were available primarily as a non-profit services and EU-funded plans are based on agreements with the subscriber and the hospital concerned.

health insurance system in America has been enhanced by various government measures that encourage the use of health insurance. The need to provide quality care for the old was obvious, therefore, the creation of Medicaid and Medicare.

Medicaid was created for poor people. Since its inception in 1972, the number of people who previously was a lack of health insurance has risen sharply. Alternatively, each Medicare, a government-sponsored health insurance program that was created to cover the cost of medical care for the elderly.

To date, more than 80% of the U.S. population covered by health insurance policies. Nearly 60% of the total insured members got their plans by employers, while more than 25% of Americans have health insurance through various state agencies. The number of people who have health insurance has increased from 12 million to more than 220 million in 1996.

But the rising cost of health insurance, felt and seen by the members. This shows why almost 44 million people in the United States has chosen not to obtain health insurance. Premier has grown substantially, so employers health insurance policies to their employees has also increased the size of their employee’s contributions.

In this way the need to restructure the health insurance system in America is important. A nationalized health insurance system in the United States was considered the next best thing to a good government. Experts say the U.S. should consider a nationalized health insurance system, which occurs in all countries in the world.

Many people lost health insurance system in the U.S. more of a luxury than a privilege. Therefore, the proponent of nationalized health insurance system in the U.S. that legislators should create bills for national health insurance plans and provides comprehensive coverage for people with low incomes. . Reports suggest that this marginalized section of society made up of two thirds of the uninsured population

If

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