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Principles of Risk Management and Insurance, 13th Edition by Michael McNamara, George E. Rejda

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Defects in the Healthcare System in the United States

Healthcare is one of the most important factors impacting the economic security of individuals and families today. For many people it is a matter of life or death, and it currently accounts for one-sixth of the American economy in terms of total spending. Overall, the United States provides high-quality healthcare to most of the population. However, despite major breakthroughs in medicine, many experts believe the U.S. healthcare system is broken and in need of substantial reform. Major defects in the healthcare system that led to the enactment of the Patient Protection and Affordable Care Act include the following:

  • Rising healthcare expenditures

  • Large number of uninsured in the population ...

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