In the last post I described the four different models that countries around the world utilize. To recap, the four models are Beveridge, Bismarck, National Health Insurance, and the Out of Pocket. However, America was left out for a specific reason because America’s healthcare system is actually quite unique than you might expect.
America has a mixture of each of the four models of above. As a side note, I must let you know that this book was written before Obamacare was fully intact. Obamacare was a huge controversial policy that Americans are still debating on. Many people are against Obamacare because it requires you to have health insurance. If not, a special tax is imposed on those who don’t do so. There are however good things that Obamacare states and even Trump says he will keep intact as he plans to repeal it. One of these is that young people can stay insured by staying on their parent’s policies, until they turn 26.
In this book, the four models of healthcare around the world have many of their pieces within the American healthcare system. In America, for those that work sixty-five it is much closer to the Bismarck Model such as those in Germany, France, or Japan. The workers and the employers share the premiums for a health insurance policy. The insurance companies pay most of the premiums while the people under sixty-five end up paying the rest.
Moving on to to the people over sixty-five. A best representation could be similar to that of Canada’s which is the National Health Insurance model, and quite frankly in my opinion the best model. The government, with the help of the tax payers of course, end up paying the medical coverage for those over the age of sixty-five. Uninsured people before Obamacare was around 45 million people. However after Obamacare, uninsured Americans dropped to a record low of 28.2 million people. These people best fit those who are in underdeveloped countries that use the Out of Pocket model. Veteran’s and Native American’s are ironically similar in how they receive medical coverage. Similar to the Beveridge Model, the government is the payer and the provider of health benefits.
As you can see the United States healthcare system is composed of several different models depending on age, occupation, and even your ethnic background. This book states that there should be a single unified healthcare system because it is “simpler, cheaper, and fairer” across the board.
Excerpt From: Reid, T. R. “The Healing of America: A Global Quest for Better, Cheaper, and Fairer Health Care.” iBooks.
Mangan, Dan. “The Rate of Uninsured Americans Hits a Record Low as Obamacare’s Future Remains a Question Mark.” CNBC. CNBC, 14 Feb. 2017. Web. 17 Apr. 2017.