The three main types of US health insurance are private plans, employer-sponsored plans, and government-sponsored plans.
Private Plans: Private plans are health insurance plans obtained directly from private insurance companies. These plans are tailored to meet the needs and budgets of individuals and families who need coverage. Private plans can be purchased through an insurance broker or directly from the insurer.
Employer-Sponsored Plans: Employer-sponsored plans are group health insurance plans obtained through your employer. Many employers offer one or a selection of different type of plans to provide health insurance coverage to their employees. These plans are typically provided as part of an employee’s benefits package.
Government-Sponsored Plans: Government-sponsored plans are health insurance plans provided directly or partially funded by the federal government. These programs include Medicare, Medicaid, CHIP and the VA Health Care Program. Medicare is a national health insurance program providing health coverage to people over 65 and some disabled individuals, while Medicaid is a health program providing coverage to those with limited income and resources. CHIP is a program providing coverage to children in low-income households whose parents cannot afford health care coverage for them, and the VA Health Care program is a program that provides health care services to veterans and their families.
For more information on US health insurance, visit https://www.healthcare.gov/get-coverage/.