American health care system

The American health care system involves a combination of private and public providers delivering medical services. Individuals typically pay for insurance—either privately purchased or through government programs like Medicare and Medicaid—covering a portion of costs. Many services require out-of-pocket payments, and prices vary widely. Employers often provide insurance as a benefit. The system emphasizes advanced technology and specialist care but is complex, with multiple payers and regulations, which can lead to high costs and variable access. Efforts to reform focus on increasing affordability, expanding coverage, and improving quality.