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Medicare is a federal health insurance program designed for people aged 65+ and older, as well as younger individuals with certain disabilities or medical conditions. More than 66 million people ...
The Affordable Care Act of 2010 was designed primarily to extend health coverage to those without it by expanding Medicaid, creating financial incentives for employers to offer coverage, and requiring those without employer or public coverage to purchase insurance in newly created health insurance exchanges. This requirement for almost all ...
At approximately 30 million in 2019, [1] higher than the entire population of Australia, the number of people without health insurance coverage is one of the primary concerns raised by advocates of health care reform. Lack of health insurance is associated with increased mortality, estimated as 30–90 thousand excess deaths per year. [6] [7]
As of 2017, the possibility that the ACA may be repealed or replaced has intensified interest in the questions of whether and how health insurance coverage affects health and mortality. [53] An estimated 13 million people gained coverage through Medicaid expansion, and 76 million people gained eligibility for free preventative services. [54]
Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime coverage maxima.
There are also various state and local programs for the poor. In 2007, Medicaid provided health care coverage for 39.6 million low-income Americans (although Medicaid covers approximately 40% of America's poor), [87] and Medicare provided health care coverage for 41.4 million elderly and disabled Americans. [71]
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