CHAPTER 18 THE AMERICAN MODEL
CHAPTER 18 THE AMERICAN MODEL
The American model Unlike every other developed country,the United States lacks universal guaranteed insurance for all citizens. Nevertheless,most Americans find insurance coverage through one of these three avenues: employer-based insurance,Medicare and Medicaid. This mix of private and public insurance is a hallmark of the American model. Bhattacharya,Hyde and Tu-HealthEconomics
Bhattacharya, Hyde and Tu – Health Economics The American model Unlike every other developed country, the United States lacks universal guaranteed insurance for all citizens. Nevertheless, most Americans find insurance coverage through one of these three avenues: employer-based insurance, Medicare and Medicaid. This mix of private and public insurance is a hallmark of the American model
The American model Major characteristics: Private health insurance markets: The non-elderly and non-poor seek insurance on the private market, which is centered around employer-based health insurance pools. Partial universal health insurance: Subsidized universal health insurance is provided to two vulnerable subpopulations:the elderly (through Medicare)and the poor(through Medicaid). Private health care provision: Most hospitals and doctor's clinics are private.While there is some antitrust regulation,there are few legal restrictions on where doctors can practice and hospitals can open.There are also no direct price controls enforced by the government. Bhattacharya,Hyde and Tu-HealthEconomics
Bhattacharya, Hyde and Tu – Health Economics The American model Major characteristics: Private health insurance markets: ◼ The non-elderly and non-poor seek insurance on the private market, which is centered around employer-based health insurance pools. Partial universal health insurance: ◼ Subsidized universal health insurance is provided to two vulnerable subpopulations: the elderly (through Medicare) and the poor (through Medicaid). Private health care provision: ◼ Most hospitals and doctor’s clinics are private. While there is some antitrust regulation, there are few legal restrictions on where doctors can practice and hospitals can open. There are also no direct price controls enforced by the government
The American model 。 The American model reflects a political preference for liberty and free choice. Patients(usually)have free choice of: ·Doctor ·Hospital ·Insurance plan Doctors(usually)have free choice of: Prices to charge Where to practice ·Whom to treat Bhattacharya,Hyde and Tu-HealthEconomics
Bhattacharya, Hyde and Tu – Health Economics The American model • The American model reflects a political preference for liberty and free choice. • Patients (usually) have free choice of: • Doctor • Hospital • Insurance plan • Doctors (usually) have free choice of: • Prices to charge • Where to practice • Whom to treat
EMPLOYER-SPONSORED HEALTH INSURANCE Ch 18 The American model
Ch 18 | The American model EMPLOYER-SPONSORED HEALTH INSURANCE