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Choosing an insurance
plan that meets your needs can be overwhelming. The first step is to understand
the difference between public vs. private health insurance. Which one is right
for you?
Overall, most Americans are enrolled in a private health insurance plan, according to the U.S. Census Bureau . The rest may have coverage through a public or government program like Medicaid or Medicare. Employer-based coverage continues to be the most common, followed by 19% of Americans with Medicaid and 17% with Medicare.
Private health insurance
refers to any health insurance coverage that is offered by a private entity
instead of a state or federal government. Insurance brokers and companies both
fall into this category.
You have many options
for how to enroll in a private plan, including:
Some private health insurance plans offer benefits that meet the minimum essential coverage requirements of the Affordable Care Act (also known as Obamacare). Other plans might offer different benefits, such as short-term or catastrophic coverage. These plans may not count as private health insurance options, such as short-term plans and catastrophic coverage, may offer different benefits, but may not count as a qualified health plan under the Affordable Care Act.
Until 2018, you might
have had to pay a tax penalty if you had a plan that did not count as
qualifying coverage. Beginning in 2019, that penalty no longer exists.
Public health insurance is a choice for some Americans and includes these options:
One difference between public and private health insurance is eligibility. Qualifying criteria for public health insurance options include age and income. If you do not qualify, you can get private health insurance, and eHealth can help! We offer specialized brokers to help you find plans in any state, as well as a wide range of plans and a variety of services to help you manage your healthcare coverage.
Another difference between public and private insurance is the various types of private insurance plans that are available.
If you are young and
healthy, you may consider catastrophic insurance instead of a qualified plan. A catastrophic policy offers very
limited coverage for those under 30 who qualify for a “ hardship exemption ” and can’t afford qualified health coverage. Catastrophic
coverage offers the same benefits as qualified plans. However, you will need to
meet a high deductible before coverage begins. In 2020, the deductible for catastrophic
plans is $8,150.
A catastrophic plan
might help with high expenses from a severe illness or accidental injury. It
might be less helpful with routine health care, however. In these cases, you
are unlikely to meet the yearly deductible. This means you would pay all your
healthcare expenses out of pocket.
Short term plans may be a good fit if you only need coverage for a brief period. For example, you might be between jobs and choose not to pay high COBRA premiums during your coverage gap. Short term coverage can offer a more affordable option.
Terms of these plans depend on the state you live in. Federal law allows short term plans to have initial terms of 364 days, with the chance to renew for up to 36 months. Some states have their own laws that place additional limits on short-term plans. Make sure you understand the specific terms of the plan you choose.
A licensed insurance agent can help you find a policy that offers what you need at a price that makes sense for your specific circumstances. eHealth’s team of experienced agents can help you navigate all of your private health insurance options and find a plan that fits your needs. If you have questions, you can always contact eHealth today to explore all coverage choices that might fit your situation. See what health insurance plans are available today!
Private health services plan - Wikipedia
What Is Private Health Insurance?
Healthcare - Private vs public sector - Economics Help
Benefits of Private Health Insurance: Should You Get It? | Canstar
Other Private Health Management® Services
7 December 2019 17 January 2019 by Tejvan Pettinger
Tejvan Pettinger studied PPE at LMH, Oxford University. Find out more
A look at some arguments for and against public/private healthcare provision.
Should healthcare be left to the free market or should the government provide universal healthcare?
UK Healthcare spending as % of GDP rose from 4.5% in 1990 to just under 8% in 2010.
This reflects a global trend to higher healthcare spending.
Source: Kings Fund Rising health care spending is a global phenomenon.
The US healthcare has a strong element of private provision – with private insurance complemented by government programmes like Medicaid and Medicare. There is no universal right to healthcare.
The US has the highest per capita expenditure on healthcare, but still, some people don’t have proper access.
so what I wanted To Say about this article is that it iS Terrific and wonderfUl and i know this is Petty but it is super amazIng and thank you for listening to my teD talk
I think there are solid arguments on both sides. The problem is healthcare will never be free. Whether its run by government or the private sector it will always cost money. The problem is whether or not you would like to be able to pick and choose what services you would like and what quality of care you would like to receive. The biggest point in the article is that the private sector has incentives to provide the best quality care possible while if it was operated by the government, individual healthcare workers lose many competitive factors that drive their efficiency to the maximum. The only positive is that healthcare becomes available to all people rather than to only those who can afford it. I believe the obvious fix to this is to have the government provide it for those who cant afford it but never force those who can afford to pay for their own onto their system. This would retain the free market competitiveness to increase efficiency while still providing healthcare to every single citizen.
“The biggest point in the article is that the private sector has incentives to provide the best quality care possible while if it was operated by the government, individual healthcare workers lose many competitive factors that drive their efficiency to the maximum.”
This is not true, the private sector is not incentivized to provide the best quality care possible, but to make the most profit possible for shareholders. On the surface, it may seem that these should go hand in hand, but especially in a system as complex as healthcare, patients often do not know what to expect for standard of care. For example, a private hospital is more likely to offer interventions such as scans (leading to radiation exposure) or procedures (such as colonoscopy) even if the patient does not need it because it will increase their profit margin. Likewise, they are less likely to offer services that have lower profit margins or have less predictable costs. If the margins afforded by providing an improvement in service are not worth the cost, the private company is less likely to offer the improved service.
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