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In the United States, health insurance helps pay for medical expenses through privately purchased insurance, social insurance, or a social welfare program funded by the government. [ 1 ] [ 2 ] Synonyms for this usage include "health coverage", "health care coverage", and "health benefits".
HealthCare.gov is a health insurance exchange website operated by the United States federal government under the provisions of the Affordable Care Act (ACA), informally referred to as "Obamacare", which currently serves the residents of the U.S. states which have opted not to create their own state exchanges.
The federal government's health insurance plan would have been financed entirely by premiums without subsidy from the federal government, [5] although some plans called for government seed money to get the programs started. [6] President Barack Obama promoted the idea of the public option while running for election in 2008. [7]
Health insurance coverage is provided by several public and private sources in the United States. Analyzing these statistics is challenging due to multiple survey methods [13] and persons with multiple sources of insurance, such as those with coverage under both an employer plan and Medicaid.
In 2013, 64% of health spending was paid for by the government, [40] [41] and funded via programs such as Medicare, Medicaid, the Children's Health Insurance Program, Tricare, and the Veterans Health Administration. People aged under 65 acquire insurance via their or a family member's employer, by purchasing health insurance on their own ...
The Federally Facilitated Marketplace is established in a state by the HHS Secretary for states that chose not to set up their own marketplace or did not get approval for one. [2] Individuals (i.e. citizens of a state) and employers will have the ability to find and purchase Qualified Health Plans through the FFM and its partners. [1]
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