Task 3; SAT1-1217 1 Organizational Systems and Quality Leadership Task 3; SAT1-1217 Krystal Kramer Western Governor’s University
Task 3; SAT1-1217 2 Organizational Systems and Quality Leadership Task 3; SAT1-1217 A.1. Country of Comparison Germany ’ s healthcare system is required for all residents and also set up so that it is regulated by the government but it is funded by citizens and employers. Statutory Health Insurance (SHI) is mandatory for anyone with an income of less than approximately $68,000/year. At higher incomes, citizens can opt into the SHI or purchase Private Health Insurance (PHI) in replacement of or in addition to SHI. The non-profits that provide the insurance are called “ sickness funds. ” These sickness funds are allowed to require additional premium cost if their funds are insufficient but this happens very little. Also, the funds have been known to pay back bonuses to people when they have extra funds (Mossialos, Djordjevic, Osborn, & Sarnak, 2017, p. 64). SHI covers 86% of the population, while 11% have PHI and the other 3% have special programs for military or policemen (Mossialos et al., 2017, p. 63). In the U.S., healthcare became mandatory with the ACA act and with time, it is anticipated that the uninsured will decrease from 42 million people in 2013 to 26 million by 2017 (Mossialos et al., 2017, p. 153). It is a complicated system in the U.S. which includes Medicaid, Medicare, military coverage, private health insurance that can be purchased as an individual, purchased through an employer, or on the marketplace that opened with the ACA act. Purchasing through the marketplace can possibly provide subsidies to help pay premiums for low and middle income families. When purchased through an employer, NPR (2008) reported that Germans and Americans pay approximately the same percentage of their pay, however in America, the employer pays a larger portion than in Germany.