• USA Health Insurance Information

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The term Medical insurance is commonly used in the US to refer to any program that helps pay for medical expenses, whether it be through private insurance, social insurance or even non-insurance social welfare plans funded by the American government. Synonyms for this usage include but are not limited to "health care coverage" and "health benefits."

According to the United States Census Bureau, about 85% of US Citizens have Medical insurance; approximately 60% get it through an employer, while less than 10% purchase it directly.

In 2006, there was 47 million citizens (16% of the population) who had no health insurance for at least part of that particular year.

Apart from programs such as Medicare or Medicaid, the Health care system in USA belongs to the private sector.
Being the biggest and most expensive Health care system in the world the World Health Organization ranked the American health care scored 1st in terms of healthcare costs and 1st in response to health care needs but only 37th in terms of overall performance.

Non profit Hospitals have been remaining stable (70%) for the past few years.
Current debate about health care reform in the US raises issues as various as: access and fairness, efficiency, quality and cost.

Although US Hospitals do provide Outpatient care they generally focus on Hospitalization care.
One of the issue currently faced by the United States Health system is the difficulty to sustain high quality urgent care services.

With an average life expectancy of 78 years old the United States have a lower life expectancy than Europe, Japan and Canada. The cancer survival rates in USA are however the best among all countries. However, concerns regarding Obesity have been raised for decades leading to an increase of diabetes.

With a large low income population having difficulties covering medical expenses the private health insurance sectors represents more than a third of personal health cost while US Citizens self funded expenses are increasing.
Local and federal funded programs account for less than half of the total Healthcare .

President Barack Obama is ongoing major health care reforms to allow more citizens to have access to Health care services. The goal is to offer accessible healthcare to lower incomes families.

Foreign expatriates are on the other hand advised to call upon a sustainable and comprehensive medical plan to face high medical cost.

If you wish to have further information about international medical insurance  or a  free quote, please do not hesitate to contact one of our highly trained advisors.