These two cost will greatly impact the quality of life for people in their respective countries. In Switzerland there is a Safety net: some preventive services are fully covered such as maternity care and which are exempt from deductibles, coinsurance, and copayments. Children or young adults in school (up to the age of 25) do not pay copayments for inpatient care. Federal government and the cantons/municipalities provide income-based subsidies to residents and households to cover MHI insurance premiums; average income vary greatly by areas/regions. Overall, 26.9 percent of residents in 2014 benefited from individual premium subsidies. Municipalities/area help cover the health insurance expenses of social assistance beneficiaries and residents of supplementary old age and disability benefits. 1. Out of pocket healthcare spending per capita, 2014 was $1815 (International Health Care Systems Profiles, Switzerland). 2. The annual premium for an average adult resident is USD $235 with minimum deductible, the standard model (International Health Care Systems Profiles, Switzerland). It seems that these costs are within an average person’s means and does not impact their healthcare. It seems that these costs are within an average person’s means and does not impact their healthcare and increases their quality of life in Switzerland. In the USA, Safety nets: A variable mix of local, federal and state and county organizations and specific programs provide a range of care for low-income, vulnerable and uninsured patients in
ORGANIZATIONAL SYSTEMS TASK 3 6 the United States, including public and private non-profit hospitals, health departments, low- cost/free clinics, Medicaid, and children’s health insurance program (CHIP). The affordable care act (ACA) has enabled expanded Medicaid coverage to much of the county (32 states and the District of Columbia) for low-income individuals (up to 138 percent of the poverty level). It also provides insurance exchanges or marketplaces which offer health plan premium discounts low- and middle-income individuals (133 to 400 percent of the poverty level) and cost-sharing subsidies for those at lower income levels (100 to 250 percent of poverty level). Community health centers funded by federal and state governments are another source of more affordable primary health care for low income individuals and those without health insurance. Sometimes there are private medical providers that provide their service complimentary. (International Health Care Systems Profiles, United States). Annual premium for an average resident is USD $ 440 adult, $ 790 (age 55-64) with minimum deductible. Pans vary so greatly it’s hard to compare. Since inception of ACA (Obamacare), the number of uninsured adults has decreased by historic proportions. The trends historically had not changed much and certain demographics remain at greatest risk of being uninsured, including young adults, blacks, and Hispanics. Though low income individuals have shown the greatest increase in insurance coverage people there continue to be significant inequalities (International Health Care Systems Profiles, United States).
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