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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.

1. synonyms for this usage include health coverage health care coverage and health benefits. in a more technical sense the term health insurance is used to describe any form of insurance providing protection against the costs of 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 cutodial care needs. different health insurance provides different levels of finanical protection and the scope of coverage can vary widely with more than 40% of insured individuals reporting that their plans do not adequately meet their needs as of 2007.

The share of Americans without health insurance has been cut in half since 2013. many of the reforms instituted by the affordable care act of 2010 were designed to extend health care coverage to those without it, however high cost growth countries unabalted.

National health expenditures are projected to grow 4.7% per person per year from 2016 to 2025. Public healthcare spending ws 29% of federal mandated spending in 1990 and 35% of it in 2000. It is also projected to be roughlyhelf in2025.

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