who pays the premium for private healthcare insurance
Health insurance There are different options available to both employers and employees. There are different types of plans, including health savings accounts and plans with a high or low deductible. The plans that have the high deductibles typically cost the employee less for the monthly premiums, but the part they pay for each time they use their insurance, as well as the overall deductible before the insurance covers anything is much higher. These types of plans are good for the people who rarely go to the doctor and need little health care. The lower deductible plans are typically more expensive, however, they save the employee from having to spend a lot of money out of pocket for services and treatment. The recent trend for employers is to offer the high deductible plans, called consumer-driven healthcare plans, because it costs them less overall for the care their employees need, but it is a lower monthly premium for the employees.[69]
History of health care reform in the United States In the first 10â€“15 years of the 20th century Progressivism was influencing both Europe and the United States.[5] Many European countries were passing the first social welfare acts and forming the basis for compulsory government-run or voluntary subsidized health care programs.[6] The United Kingdom passed the National Insurance Act of 1911 that provided medical care and replacement of some lost wages if a worker became ill. It did not, however, cover spouses or dependents. U.S. efforts to achieve universal coverage began with progressive health care reformers who supported Theodore Roosevelt for President in 1912, though he was defeated.[7] Progressives campaigned unsuccessfully for sickness insurance guaranteed by the states.[8] A unique American history of decentralization in government, limited government, and a tradition of classical liberalism are all possible explanations for the suspicion around the idea of compulsory government-run insurance.[6] The American Medical Association (AMA) was also deeply and vocally opposed to the idea,[8] which it labeled "socialized medicine". In addition, many urban US workers already had access to sickness insurance through employer-based sickness funds.