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In the United States, health insurance is a service provided by private companies. Generally, businesses in the United States negotiate health insurance services for their employees, who then pay for their health insurance with an automatic deduction from their paychecks, although some people buy health insurance services on their own.

In the United States, health insurance is a service provided by private companies. Generally, businesses in the United States negotiate health insurance services for their employees, who then pay for their health insurance with an automatic deduction from their paychecks, although some people buy health insurance services on their own.

There are two types of payments for insurance services under the American model. The periodic payment, paid in order to maintain health insurance coverage, is called the premium. When a worker's insurance pays a medical expense, a certain fixed amount of the expense is paid by the worker. This payment is called the deductible.

There are two types of payments for insurance services under the American model. The periodic payment, paid in order to maintain health insurance coverage, is called the [[premium]]. When a worker's insurance pays a medical expense, a certain fixed amount of the expense is paid by the worker. This payment is called the [[deductible]].

 

While most Americans with health insurance through a private company, the United States federal government does provide insurance to certain US citizens. Impovrished people may be eligible for [[Medicaid]], which is a program funded by the federal government and administered by the states, and elderly and disabled people are eligible for [[Medicare]], which is administered and funded by the federal government.

==See also==

==See also==

*[[HMO]], i.e., "[[health maintenance organization]]

*[[HMO]], i.e., "[[health maintenance organization]]"