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Health insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency. Market-based health care systems such as that in the United States rely primarily on private health insurance

With publicly funded health insurance the good and the bad risks all receive coverage without regard to their health status, which eliminates the problem of adverse selection and amplifies the problem of moral hazard.

According to the latest United States Census Bureau figures, approximately 85% of Americans have health insurance. Approximately 60% obtain health insurance through their place of employment or as individuals, and various government agencies provide health insurance to over 29% of Americans.

In 2005, there were 41.2 million people in the U.S. (14.2 percent of the population) who were without healthcare insurance for at least part of that year.(ibid) For many people, however, this does not boil down to a simple question of affordability.

 

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Allstate Insurance Co
David Sikes
1310 Tennessee St, Vallejo, CA 707 554-4477

Cryder Insurance & Financial
PO Box 2514, Fairfield, CA 707 426-3569

Gavin & Schreiner
Tom Gavin
828 1st St # A, Benicia, CA 707 745-5626
 
 
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Part of this population might include young and healthy individuals with low risk of serious illness who don't believe that health insurance would be cost-effective. In fact, approximately one-third of these 41.2 million live in households with an income over $50,000, with half of these having an income of over $75,000. Additionally, one third of these 41.2 million are eligible for public health insurance programs but have not signed up for them. People living in the western and southern United States are more likely to be uninsured.
 
 
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