15Health Insurance I Health Economics and Private Health Insurance（课件）- 《财政与金融》同步教学（人民大学·第五版）

15 15.1 An Overview of Health Care in the United States 15.2 How Generous Should Insurance Be to Patients? 15.3 How Generous Should Insurance Be to Medical Providers? 15.4 Conclusion Health Insurance I: Health Economics and Private Health Insurance 1 of 47 1 15 Health Improvements and Health Spending Since 1950: Medical technology has improved dramatically. Mortality from heart attack fell by 70%, infant mortality fell by 80%. Health spending grew from 5% to 17% of GDP. Yet all is not well for the U.S. health care system. There are huge disparities in medical outcomes. The United States is the only major industrialized nation without universal access to health care. The Affordable Care Act attempts to address the gaps in health care in the United States, but many are still without coverage. of 47 C H A P T E R 1 5 ■ H E A L T H I N S U R A N C E I : H E A L T H E C O N O M I C S A N D P R I V A T E H E A L T H I N S U R A N C E 2 15.1 Healthcare Spending in the OECD Nations, 2012 In 2012, the United States devoted nearly twice as much of its economy to health care as did Sweden or the United Kingdom. of 47 C H A P T E R 1 5 ■ H E A L T H I N S U R A N C E I : H E A L T H E C O N O M I C S A N D P R I V A T E H E A L T H I N S U R A N C E 3 15.1 Distribution of National Health Expenditures in the United States, 2013 Category Share of Spending Hospital care 32% Physician, clinical care 20 Prescription drugs 9 Nursing home care 5 Other personal health care 15 Other health spending 16 Home health care 3 Almost a third of the typical health dollar is spent on hospital care and a fifth is spent on physician care. of 47 C H A P T E R 1 5 ■ H E A L T H I N S U R A N C E I : H E A L T H E C O N O M I C S A N D P R I V A T E H E A L T H I N S U R A N C E 4 15.1 Americans’ Source of Health Insurance Coverage, 2013 People (millions) Private 201.1 Employment-based 169.0 Direct purchase 34.5 Public 107.6 Medicare 49