The World 's Highest Living Standards

In 2010, the United States created The Affordable Care Act (ACA). The objective was to share the responsibility of costs between the government, individuals, and employers to provide affordable access to quality health insurance. “However, health coverage remains fragmented, with numerous private and public sources, as well as wide gaps in insured rates across the U.S. population.” (“United States: International Health Care System Profiles,” n.d.). Each individual state within the US, generally has control over private insurance.

Germany’s healthcare system is split into two types of coverage which is public and private health insurance. Health insurance companies are not able to deny people coverage due to pre-existing illnesses or to discontinue their treatment because of high costs. The public health care insurance is provided by statute to individuals who are not eligible for private insurance which is people who are salary and make under $50,000 annually. As people age and become ill, they are able to opt out of their insurance and turn to the government’s option. As the economy continues to fluctuate, the population of Germany relies more heavily on the legislative insurance which consists of 85-90% of the population.

The healthcare systems of Switzerland and the United States are quite similar in some aspects and vastly different in others. In Switzerland, the healthcare is universal and available to all. It is provided by private individual insurance companies and subsidized by the government when needed. Basic health insurance is required to be purchased within 3 months of residency or after birth and is an individual’s choice as to what carrier they choose. Of course, there are exceptions to this mandate but they are very few.("Healthcare in Switzerland," “n.d.”, para. 1) Because of this requirement, 99.5% of the population in Switzerland has

The fifth country that was visited was Switzerland. Switzerland spends 11.6% of its GDP on healthcare. Citizens pay $750 a month for premiums. If you are too poor to pay for your premiums, the government will pay. Citizens pay 10% of the cost of services for a co-pay. Switzerland also used the “social insurance” model. 95% of the population already had voluntary insurance when they country switched systems. All citizens are required to have coverage. Switzerland shows that in a high capitalist nation with powerful insurance and pharmaceutical industries, universal coverage is possible. Insurance companies are not allowed to make a profit off of basic care and are not able to select only young and healthy applicants. The government sets the prices on drugs, but the insurers and providers negotiate on all other prices. Switzerland has the second most expensive system behind the U.S. The Swiss do not have gatekeepers, some insurance plans may require them or may give a discount for using them.

Providing healthcare coverage to all citizens can be challenging to many countries and only the most developed countries have adequate resources to truly provide universal coverage to their citizens. Still, when coverage and resources are not sufficient, care is rationed through limited supply or limited access. Most countries have mechanisms in place, however, to insure that affordability does not limit access to necessary services.

This report is gives a look at numerous factors affecting healthcare and how a lack of insurance has implications to not just the individual, but society as

As some people were skeptical about the basis for the ranking, several studies were conducted, this time including “amenable mortality” in the criteria. France was first in the ranking. One good thing about France’s health care system is that everyone has health care. The country is also reported to rely on private and government insurance. Unlike the United States, France lets its citizens to have freedom in choosing hospitals, doctors, and care. Additionally, the health care system does not put much constrain on doctors with regards to making medical decisions. The same situation is evident on German health care system, where everyone has fully portable health insurance which comes with package of benefits. Like France, Germany lets its patients have freedom in choosing doctor and hospital during illness. A survey showed that patients and physicians in Germany are both satisfied with their health care system (Reinhardt, 1994, p.22).

The Swiss healthcare adopted a system with the principles of universality and equality requiring all individuals to purchase health insurance on the private market, providing financial assistance to those on lower incomes, and regulating the insurance market to protect those with poor health. The current Swiss health care system came into effect in 1996 under the Health Insurance Law of 18 March 1994, introducing a managed health care system to provide full coverage in basic health insurance, which is regulated by the Federal Office of Public Health, and outlined the level of health care that patients should receive and allowed competition between insurers in enhancing standards and decreasing insurance premiums costs. Insurers require to accept all applicants, and cannot vary premiums based on the health of each consumer and make profits on basic package plans. Individuals are permitted to purchase supplementary insurance to fund additional health care, but other regulations are applied with regards to enrolment, for-profit status, and premium variations. Supplementary insurance is regulated by the Federal Office of Private Insurance and is voluntary. Primary care providers are funded through reimbursement from insurers (Holly, et al, 2004; Mossialos, et al., 2015).

The whole world has issues with healthcare and how to provide care for all their citizens. The United States is currently in the process of making changes to its healthcare system. There are currently multiple types of health insurance in the United States. Today, I will address the health care insurance I have, its products, source of my insurance, my out-of-pocket expenses, the level of coverage I receive with my plan, the major limitations to my coverage, and the process of receiving needed care, needed care in my plan including exams, how to get to a specialist if needed and the process for non-emergency care.

Obtaining access to this healthcare has been made easy. All a person has to do is answer some questions on a website regarding their personal information and apply for different health care options. With the different plan options (bronze, silver, gold and platinum), it allows customers to choose the one that best fits their needs (Kilgour, 2016). The insurance offers 10 broad health benefits that range anywhere from newborn care to preventive care to chronic disease management. Also it allows young adults to stay on their parents insurance until the age of 26 (Kilgour, 2016). This allows those continuing college or just those unemployed still have access to receive health

The Government is a very important body as a stake in the health-care sector. Policies, Acts, and reforms are enacted and passed by the Government for adequate and better healthcare to meet the needs of its people. Insurance policies are one of the many ways that most States use to provide affordable and quality health care to every citizen. Although some of the laws may not have had a great impact towards the health-care, many have improved the services offered to the health-care consumer (Schmeer, 2016). Moreover, the government is also responsible for developing up policies which help in regulating the health

Switzerland is best known for its chocolate, cheese and its Alps. However, its also known for its amazing and universal healthcare. So what makes Switzerland’s healthcare so efficient? This research paper will examine certain factors that contribute to the overall successes of the Switzerland healthcare system such as out-of-pocket expenses, health statistics, the organization of healthcare, the distribution of responsibility between the federal and local governments and the income tax structure. By analyzing these elements, the strengths can be appreciated and new ideas can be formed to fix the current flaws present in the system. No healthcare system in the world is perfect; however, it can be improved by cooperation and understanding

By choosing the policies that seemed to be the best and most efficient from four countries I was able to created a theoretical "superior" health care system. From Great Britain, my system adopted a system where every non-life threatening individual is referred to first. This cuts useless spending, saving both time, resources, and money. My superior system will also adopted a yearly tradition of negotiating with health care providers to keep cost of care and treatment. The three tiers of the health care prevention, and hindrances that prevent the U.S health care from progressing. From Germany, I adapted insurance to be able to cover mental health and wellbeing as well as physical. This I found to a be a very beneficial in interesting policy as mental health is just as important as physical. Every individual in my theoretical health care system will receive a health card, keeping track on their visits and making insurance and to be utilized as a means of payment. Lastly, I adopted Switzerland's moto "everyone is entitled to healthcare". This gives utility and purpose to my theoretically health care system (Palfreman). This was a beneficial assignment as it broadened our outlook on health care outside of the United States and required us to apply what we learned through

Comparing health care systems of the United States and Germany. Assessing the areas of health care for adults’ elderly and retired, coverage for prescriptions, referrals for testing and specialties including pre-existing conditions, and financial effects and of course the children.

Waiting lists for treatments are rare. Medical facilities are equipped with the latest technology and the statutory health insurance scheme provides nearly full cover for most medical treatments and medicines. Almost everybody in Germany has access to this system, irrespective of income or social status.