- Private health insurance - the CDC (Centers for Disease Control and Prevention) says that the US health care system is heavily reliant on private health insurance. 58% of Americans have some kind of private health insurance coverage.
- Public (government) health insurance - for this type to be
called insurance, premiums need to be collected, even though the
coverage is provided by the state. Therefore, the National Health
Service (NHS) in the United Kingdom is not a type of health insurance -
even though it provides free medical services for its citizens, it does not collect premiums - it is a type of universal health coverage.
Examples of public health insurance in the USA is Medicare, which is a national federal social insurance program for people aged 65+ years as well as disabled people, and Medicaid which is funded jointly by the federal government and individual states (and run by individual states), SCHIP which is aimed at children and families who cannot afford private insurance, but to not qualify for Medicaid. Other public health insurance programs in the USA include TRICARE, the Veterans Health Administration, and the Indian Health Service.
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