Private Health Insurance 101. High Costs, Poor Choices, No Guarantees. Health insurance in America. Why insurance matters Who pays for it How private insurance works Different types of private insurance How you get it What it costs How it is regulated
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High Costs, Poor Choices,
Medicaid/Other public 15%
Source: KFF analysis of Urban Institute estimates of March 2005 Current Population Survey, U.S. Census Bureau.
Source: KFF calculations using data from Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey, 2003.
All health insurance is different.
There is no standard for health benefits.
n Cancern Multiple Sclerosis
n HIV/AIDSn Pregnancy
n Diabetesn Stroke
n Overweightn High blood pressure
n Cancer historyn Asthma
n Acnen Hay fever
It depends and it’s not clear
Employee Retirement Security Act (ERISA)
Consolidated Omnibus Budget Reconciliation Act (COBRA)
Health Insurance Portability & Accountability Act (HIPAA)
All these regulations could not help Mr. Jones.
What have private insurance companies done for us?
What do private insurance companies expect of us?
With private insurance, cost as well as adequacy and availability of coverage are not guaranteed
As your health status changes and you get older, it often becomes increasingly expensive and difficult to get and keep private insurance
Government can guarantee access to affordable, high quality health care through fair insurance regulation coupled with a public insurance option that sets standards and drives accountability