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:
“A strange age of the world this, when empires, kingdoms, and republics come a-begging to a private man’s door, and utter their complaints at his elbow! I cannot take up a newspaper but I find that some wretched government or other, hard pushed and on its last legs, is interceding with me, the reader, to vote for it.”
—Henry David Thoreau (1817–1862)
“Pardon me, you are not engaged to any one. When you do become engaged to some one, I, or your father, should his health permit him, will inform you of the fact. An engagement should come on a young girl as a surprise, pleasant or unpleasant, as the case may be. It is hardly a matter that she could be allowed to arrange for herself.”
—Oscar Wilde (1854–1900)
““What care I for a goose-feather bed,
With the sheet turned down so bravely, O?
For to-night I shall sleep in a cold open field,
Along with the wraggle taggle gipsies, O!””
—Unknown. The Wraggle Taggle Gipsies (l. 33–36)