CHAPTER 3

We Pay and Pay for Healthcare

This chapter provides a background of how healthcare insurance developed and was used until the Affordable Care Act (ACA) went into effect in order to understand why the changes brought about by the ACA affects consumers enough to alter their behavior. Prescription drug coverage, not previously required in health insurance and now required in all plans, is discussed because drugs can add substantially to out-of-pocket costs for people on regular long-term medication.

The Reality of Insurance

Unlike other Western countries such as the United Kingdom, Canada, Japan, Germany, and France, the United States does not offer free basic healthcare to its people. In those countries, the government pays for national ...

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