Health insurance in USA

Theoretically, the health insurance is known to everybody and some even managed to take an insurance policy before the government began to discuss the issue of mandatory medical insurance.
Today, health insurance is very actively asserting itself, not just advertising on television, billboards on the roads, but the number of insured customers, this number is constantly increasing. Acting on the principle of "don’t talk about yourself, let people say about you", health insurance attract new customers who share information about the benefits of insurance with their friends, thus shape public opinion and multiply the number of insured.

Voluntary health insurance does not exist in the abstract, but most directly affects the development of the market, "reviving" it. First of all we are talking on the pharmaceutical market. Because health insurance coverage include the cost of drugs prescribed by the doctor.
Focused on the high effectiveness of treatment, insurance companies are interested in using effective and affordable drugs. Unfortunately, to date, such drugs are not always the drug of choice in the practice of some specialists.
In the U.S., health insurance is voluntary and almost entirely organized by employers. Health insurance - the most common type of insurance in the workplace, but employers are not obliged to provide it. Not all U.S. employees receive such coverage. Yet in most large companies, health insurance is almost a sine qua non, and in 1990 they covered about 75% of the population USA.
In 2000, Americans spent on health care $ 1 trillion, i.e., more than 15% of the gross domestic product. Most Americans spend only on food and housing.
There are many types of health insurance. The most common is the so-called compensation insurance or insurance "fees." In this form of insurance the employer pays the insurance company's insurance premium for each employee, secured the appropriate policy. Then the insurance company pays the checks presented by a hospital or other medical institution or doctor. Thus, paid services included in the insurance plan. Typically, the insurance company covers 80% of the cost of treatment for the rest to pay the insured himself.
There is an alternative - the so-called insurance managed services. The number of Americans affected by this type of insurance is increasing rapidly (more than 31 million people in 1991). In this case, the insurance company contracts with physicians, other health professionals, and with institutions, including hospitals, provide all the services provided by this type of insurance. Typically, hospitals receive a fixed amount that is paid in advance for each insured person.