Health insurance in the United States is any program that helps pay for medical expenses, whether through privately purchased insurance , social insurance , or a social welfare program funded by the government. In a more technical sense, the term "health insurance" is used to describe any form of insurance providing protection against the costs of medical services. This usage includes both private insurance programs and social insurance programs such as Medicare , which pools resources and spreads the financial risk associated with major medical expenses across the entire population to protect everyone, as well as social welfare programs like Medicaid and the Children's Health Insurance Program , which both provide assistance to people who cannot afford health coverage. In addition to medical expense insurance, "health insurance" may also refer to insurance covering disability or long-term nursing or custodial care needs. The share of Americans without health insurance has been cut in half since
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Health insurance in the United States
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