Sources of Health Care Financing. Health care in the U.S. is financed directly by the recipients of services, by government, and by private insurance 1. Federal and state government 47% 2. Private insurance 35% 3. Private out-of-pocket 19%. Coverage by Social Insurance Programs.
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Insurer pays 100% of costs up to maximum
Coinsured Layer of Coverage
Insurer pays 80% of costs
$250 per person/$500 family Deductible