Health coverage is essential for individual well-being and strengthens the overall economy. At Kaiser Permanente, a commitment to expand health coverage ensures that every person can access critical health services. However, many people remain at risk of losing their health coverage due to potential Medicaid cuts impacting low-income families and individuals with disabilities. Furthermore, enhanced premium tax credits designed to make health care more affordable are set to expire after 2025.
In recent discussions, some policymakers have raised questions about the effectiveness of health coverage in improving health outcomes. Yet, research consistently shows that health insurance plays a significant role in enhancing individual health.
Understanding Health Insurance
Health insurance spreads medical costs among large groups, making it affordable and accessible. By covering healthy individuals as well, it lowers the overall cost of care for everyone, ultimately benefiting society. In the United States, health insurance encompasses public and private options, including:
- Employer-provided plans
- Government programs like Medicare and Medicaid
- Individual policies purchased through government health exchanges
Covered services typically include routine checkups, preventive screenings, emergency care, prescription medications, and hospital stays. Many private insurance plans involve contributions from individuals toward a shared fund that offsets their healthcare costs.
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