Study On The Health Insurance Reform In The United States

Health insurance system in the United States adopts a market-oriented model, mainly in the form of commercial health insurance, which is set up for the need of economic and social development in the United States. Since 1970s, the United States has started to reform the health insurance, and that is called managed care insurance. Managed care insurance connects doctor, patients and insurance companies together, and has achieved great success, and also provides valuable experience to other countries.In this paper, the necessity of managed care insurance is raised mainly from the status and problems of health insurance in the United States. Although each country in the world has emerged rising trend in medical costs, the United States is as the most, and the proportion in GDP is also rising. These result that a lot of families can not enjoy normal health insurance, and also because health insurance is lack of equality, some people are out of the door of health insurance. For solving these problems, managed care insurance begins to have a show, and has made up for the defects in this medical field. Managed care insurance in the United States is a set of medical service providers and financial management model as a whole, and makes clinical and preventive health care combine effectively, makes health care quality and interests linked. There is a control mechanism among the hospital, the insured and insurance companies. Managed care insurance has been able to play the role of cost control, mainly because of its use of fixed settlement, paid according to the disease and poll. For the choice of co-operation medical institutions, they have been very careful, and there are many progresses than traditional health insurance. The organizations of managed care insurance in the United States are primarily health maintenance organizations, preferred provider organizations, point of service plans and especial provider organizations, through which we can control the costs. Everyone can choose different organizations according to their economy and demand to realize their utility maximization.Medical insurance reform can not just stay in the medical cost reform, and managed care insurance is not all-powerful. For the realization of universal health insurance, socialization and the fairness, managed care insurance has shown its weakness. So the health care reform in the United States should adopt new reform measures further more, and the United States health insurance reforms would move to the commercialization, diversification, information, socialization, the connection of management and competition, so that the United States can receive a better medical service and welfare.