Developing health insurance begins with the nature of solidarity with a small collection of some sort of health funds , sick funds , and so on . Small businesses is generally not sufficient to develop due to the voluntary nature and amount of premiums / contributions are not adequately counted . To cope with the failure of the insurance system is small and localized , there are two major modes namely commercial management with a high level of professional and management of insurance are mandatory sosia followed by semuaorang in a group . While commercial health insurance system is more developed in the United States karenaAmerika restrict the growth of social insurance for occupational accidents and health insurance for the elderly alone .
The United States government is a capitalist country aware of the high cost of health care so that it issued a law on the financing of health care is often referred to Obama lot of parties do not agree to the application of this law in the legislation because it will affect the income of insurance companies private . This policy will be implemented beginning January 1, 2014.
A Brief History
Insurance in the United States has been known in 1917 , but a new form of disability insurance companies in 1935 until its issued social insurance laws health insurance but have not entered the new entry Superannuation known as OASDI ( old , age , survivor benefits , and disability income ) . 1965 american adding new health insurance consists of Medicare and Medicaid and changed its name to OASDHI ( old age , survivor benefits , disability , and Health Insurance ) . However, in the case of commercial health insurance , the U.S. government handed over to the state regulation . Commercial health insurance is growing rapidly after the big crisis in America .
Obama Care is a concept of health financing issued by the American government to protect its people and to facilitate the public to enjoy affordable service . The purpose of Obama Care is to provide access to affordable , quality health insurance , and to reduce the growth in health care spending in the U.S. , Obama Care is not to replace private insurance , but to help the poor in America
benefit
a. Free preventive care , including check - ups and vaccinations
b . Money back if your insurance company does not spend at least 80 % of your premiums on care
c . There is no age limit everyone could fit in the health financing
d . Children and young adults can remain on their family plans until they turn 26 years old
impact
a. Many commercial insurance in the United States but with the coming social insurance there may be some commercial insurance that closed because more participants are required to participate in social insurance .
b . The existence of social insurance that many people will be helped , especially in the health field .
c . Any benefit received from the U.S. government social insurance premiums .
d . Spending in the health sector can be reduced by the presence of a controlled service .
conclusion
Obama care is a revolution in the health sector where the U.S. government guarantees for community health financing lifetime , much debate in the Obama Care of disapproval enacted social insurance in the USA . Obama Care is very helpful community in the United States in terms of health financing , in the hope that with Obama Care morbidity and mortality can be decreased .
In Indonesia , the concept of social insurance such as Obama Care will be very appropriate to be applied because Indonesia is a developing country with a huge population and the majority of the middle and lower economic
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