Private Health Care Coverage
Private health insurance may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. Most Americans with private health insurance receive it through an employer-sponsored program. According to the United States Census Bureau, some 60% of Americans are covered through an employer, while about 9% purchase health insurance directly.
The US has a joint federal/state system for regulating insurance, with the federal government ceding primary responsibility to the states under the McCarran-Ferguson Act. States regulate the content of health insurance policies and often require coverage of specific types of medical services or health care providers. State mandates generally do not apply to the health plans offered by large employers, due to the preemption clause of the Employee Retirement Income Security Act.
Read more about this topic: Health Insurance In The United States
Famous quotes containing the words private, health and/or care:
“I feel about exercise the same way that I feel about a few other things: that there is nothing wrong with it if it is done in private by consenting adults.”
—Anna Quindlen (b. 1952)
“Publicity in women is detestable. Anonymity runs in their blood. The desire to be veiled still possesses them. They are not even now as concerned about the health of their fame as men are, and, speaking generally, will pass a tombstone or a signpost without feeling an irresistible desire to cut their names on it.”
—Virginia Woolf (1882–1941)
“What do I care about the purring of one who cannot love, like the cat?”
—Friedrich Nietzsche (1844–1900)