Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Private healthcare in the US is expensive by current and historic standards
  • Private healthcare includes the private insurance plans authorized by the Affordable Care Act
  • Universal coverage has added to the costs of healthcare because more sick people get insurance than ever before
  • Minimum essential coverage and qualified health insurance ads benefits and services to every policy, and creates additional costs

Private healthcare in the United States benefits from the modern influences of Information Technology, medical technology, and advanced training and education. The forces that align to protect the old, weak and ill members of the society are among the most impressive that people have ever seen.

The health care reform brought about by the Affordable Care Act added higher costs along with the means to pay and finance it. The individual mandate and universal coverage were essential to a national policy that promotes insurance coverage and seeks to leave no one behind. The ACA raised the standards for health insurance for the consumer’s benefit.

Find insurance that meets Obamacare requirements without emptying your bank account; enter your zip code above for a free quotes comparison.

Information Technology Revolution


The development of information technology has had a dramatic impact on the medical field with instant information sharing, access to records, tests, and other vital data. It involves potentials from around the globe as research and information move at the speed of light through fiber optic cables. It adds to costs when there is much more data to process and many more teams with which to consult.

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Medical Technology Advances


We live in a world where a patient can walk from a hospital with transplanted organs in less than three weeks; these transplanted extenders of life include hearts, lungs, intestines, and pancreas. These represent advances in techniques that would have amazed the most informed members of the medical establishment only twenty years ago.

Advanced Training and Education

Medical professionals have benefited from modern US education standards in Medicine since the late 1800’s. Medical education reform was a factor that created the rise of the modern hospital. Today’s medical education extends to new generations of nursing, skilled nursing, physician’s assistants, and technicians.

Treatment protocols are complex as doctors take advantage of drugs and medicines that require individual approaches for their safe and effective usage.

Expertise in Support Personnel

Skilled nursing is essential to modern in-patient care. Nurses and technicians keep pace with the high-tech equipment and methodologies used today. They must attain a high-level of competence with the computer-based diagnostic, records, and analytic equipment.

The ICU is now a place with computer-based technology tracking every detail of patient status. Technical and nursing staff must work in an increasingly automated environment yet preserving the fundamentals of patient care.

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Qualified Health Insurance


The Affordable Care Act just did not certify the existing range of health policies; it made significant reforms to require that policies have a certain value and tend to work for their policyholders.

  • Minimum actuarial value of 60 percent.
  • Minimum essential coverage
  • Limits on deductibles and expenses


Medicare is the national health care system for older Americans and those with end-stage illnesses. Medicare has four parts as described in the below-listed items. Original Medicare, which consists of Parts and And B, is the most widely used form. Medicare Advantage comes next, and it consists of private plans that the CMS reviews for consistency with the applicable laws.

Medicaid and CHIP


The private healthcare is expensive because there is also public healthcare. Private healthcare has different rules, markets, and pricing structures. Private health care can use price discrimination to allocate its resources among those that can afford to pay high premiums and costs.

The public health system frees these resources and makes an upper layer of high-cost insurance possible. Medicaid and the Children’s Health Insurance Program are examples of the efforts to provide regular medical care to children and those with limited means.

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Increased Coverage of Uninsured

The Obamacare Marketplace offered an easy opportunity for most Americans to get insured, get tax credits to lower premiums, and get favorable terms for qualified coverage. The uninsured posed a large risk for the eCommerce and the health system. Unpaid hospital bills had caused many to stop doing business or accepting uninsured patients.

  • Medicaid Expansion raised the eligibility limit for Medicaid with the idea of including millions of uninsured people. They were in income ranges too low for Marketplace plans and too high for traditional Medicaid coverage.
  • Marketplace credits and financial assistance made premiums reachable for millions of families.
  • Marketplace costs reduction services made the expenses of healthcare more affordable.

Development of Hospital Care

Volume care was the benchmark of the hospital and medical care success for many years. It probably began with the advent of hospital care after the Civil War. The primary advantage of the hospital was its ability to bring doctors and patients to a central location so as to deliver high-quality care.

Early hospitals were known for spreading disease, and until efficient hygiene and pasteurization, the public largely avoided hospitals. Once established in communities, hospitals became landmarks of civic progress. Communities began to feel more secure if there were a hospital in the area. Today, hospitals are pillars of community-based health systems that cover a wide range of needs.

Improvement at the Root


The Obama Administration studied medical care in connection with the enactment of the Affordable Care Act, and the CMS implemented a number of studies and experimental situations. They turned the money flow away from the traditional goals of registering high volumes of patient entrants. They began to reward hospitals for savings, reducing hospital-borne illnesses, accidents, and avoiding returns to hospital care.

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Outcomes Matter Most

The value-base shift was profound. The hospitals began to work more towards excellent patient outcomes rather than amassing billings and processing a volume of patients. Hospitals emphasized completing work successfully. They had prompt discharges even after complicated cases like heart and lung transplants. They were able to advance immunologic research at the same time and have found a growing body of successful applications in cancer treatments.

Healthcare is Expensive in the US


The costs of healthcare in the US are high. They are high when compared to public health costs and high when contrasted with efforts of other advanced nations to have national health insurance arrangements. Obamacare and similar efforts to contain costs must run a course. They will be most effective over a long-term when they have reduced a large number of tobacco-related and detected thousands of treatable diseases.

Comparison shopping is a tested method for finding high-value health insurance plans that fit the needs of the individual or family consumer. It is an excellent tool for reducing the costs of private health insurance.

Start comparing affordable private health insurance quotes today by entering your zip code below!