An Overview Summary Of Insurance System USA

An Overview Summary Of Insurance System USA

This is an overview summary of what the United States Of Americ Insurance system looks like. Though this publication is far not a total of the actual fact but a summary for those who would need a short and precise information.

Trends in private coverage

According to research, the percentage of the non-elderly population of Americans who are with employer-sponsored coverage fell from 66% in 2000 to 56% in 2010, and later it stabilized following the passage of the Affordable Care Act. Employees who worked part time (less than 30 hours a week) were less likely to be offered coverage from their employer than were employees who worked full time. One of the major trend in employer sponsored coverage has been increasing premiums, deductibles, and co-payments for medical services, and increasing the costs of using out-of-network health providers rather than in-network providers.

Trends in public coverage

The Public insurance coverage system also increased from 2000-2010 due in part to an aging population and an economic downturn in the latter part of the decade. The Funding for Medicaid and SCHIP was expanded significantly under the 2010 health reform bill which was much later introduced. Based on the portion of the public which is been covered by Medicaid increased from 10.5% in 2000 to 14.5% in 2010 to 20% in 2015. The portion covered by Medicare increased from 13.5% in 2000 to 15.9% in 2010, then decreased to 14% in 2015.[3][8]

Status of the uninsured

An Overview Summary Of Insurance System USA

As at that time, the uninsured proportion of persons was stable at 14-15% from 1990 to 2008, then rose to a peak of 18% in Q3 2013 and rapidly fell to 11% in 2015. The proportion without insurance has stabilized at 9%.

Based on a 2011 study and research done, it was discovered that there were 2.1 million hospital stays for uninsured patients, accounting for 4.4 percent ($17.1 billion) of total aggregate inpatient hospital costs in the United States.The costs of treating the uninsured must often be absorbed by providers as charity care, passed on to the insured via cost-shifting and higher health insurance premiums, or paid by taxpayers through higher taxes.


Because of the fact that people who lack health insurance are unable to obtain timely medical care, they have a 40 percent higher risk of death in any given year than those with health insurance, according to a study published in the American Journal of Public Health. The study estimated that in 2005 in the United States, there were 45,000 deaths associated with lack of health insurance A 2008 systematic review was done and it was discovered that consistent evidence that health insurance increased utilization of services and improved health.

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Uninsured patients share their experience with the health care system in the United States.

When a research was conducted by the Johns Hopkins Hospital a study which found out that heart transplant complications occurred most often amongst the uninsured, and that patients who had private health plans fared better than those covered by Medicaid or Medicare. Then Gallup issued a report in July 2014 stating that the uninsured rate for adults 18 and over declined from 18% in 2013 to 13.4% by in 2014, largely due to new coverage options and market reforms under the Affordable Care Act. It was also reported that Rand Corporation had similar findings.


It should be noted that the Affordable Care Act of 2010 was designed primarily to extend health coverage to those without it by expanding Medicaid, creating financial incentives for employers to offer coverage, and requiring those without employer or public coverage to purchase insurance in newly created state-run health insurance exchanges. The CBO has estimated that roughly 33 million who would have otherwise been uninsured will receive coverage because of the act by 2022

An Overview Summary Of Insurance System USA