A Brief History: Universal Health Care Efforts in the US

Responsibilities[ edit ] Actuaries use skills primarily in mathematics, particularly calculus -based probability and mathematical statistics , but also economics , computer science , finance, and business. For this reason, actuaries are essential to the insurance and reinsurance industries, either as staff employees or as consultants; to other businesses, including sponsors of pension plans; and to government agencies such as the Government Actuary’s Department in the United Kingdom or the Social Security Administration in the United States of America. Actuaries assemble and analyze data to estimate the probability and likely cost of the occurrence of an event such as death, sickness, injury, disability, or loss of property. Actuaries also address financial questions, including those involving the level of pension contributions required to produce a certain retirement income and the way in which a company should invest resources to maximize its return on investments in light of potential risk. Using their broad knowledge, actuaries help design and price insurance policies, pension plans, and other financial strategies in a manner that will help ensure that the plans are maintained on a sound financial basis Bureau of Labor Statistics , Government Actuary’s Department Disciplines[ edit ] Most traditional actuarial disciplines fall into two main categories: Life actuaries, which include health and pension actuaries, primarily deal with mortality risk, morbidity risk, and investment risk.

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Health NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. To get a quote, you must first provide a brief profile, including your age, geographic location and perhaps your income.

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Share A Brief History: The evolution of these efforts and the reasons for their failure make for an intriguing lesson in American history, ideology, and character. Other developed countries have had some form of social insurance that later evolved into national insurance for nearly as long as the US has been trying to get it. Some European countries started with compulsory sickness insurance, one of the first systems, for workers beginning in Germany in ; other countries including Austria, Hungary, Norway, Britain, Russia, and the Netherlands followed all the way through Other European countries, including Sweden in , Denmark in , France in , and Switzerland in , subsidized the mutual benefit societies that workers formed among themselves.

So for a very long time, other countries have had some form of universal health care or at least the beginnings of it. The primary reason for the emergence of these programs in Europe was income stabilization and protection against the wage loss of sickness rather than payment for medical expenses, which came later.

Programs were not universal to start with and were originally conceived as a means of maintaining incomes and buying political allegiance of the workers. In a seeming paradox, the British and German systems were developed by the more conservative governments in power, specifically as a defense to counter expansion of the socialist and labor parties. US circa , including Reformers and the Progressive Era: The government took no actions to subsidize voluntary funds or make sick insurance compulsory; essentially the federal government left matters to the states and states left them to private and voluntary programs.

The US did have some voluntary funds that provided for their members in the case of sickness or death, but there were no legislative or public programs during the late 19th or early 20th century. In the Progressive Era, which occurred in the early 20th century, reformers were working to improve social conditions for the working class. Therefore the first proposals for health insurance in the US did not come into political debate under anti-socialist sponsorship as they had in Europe.

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Those who can still afford health care are often finding that their benefits are being trimmed while their co-pays and deductibles are increasing. With these growing costs is the growing importance of getting the most out of your health care coverage. Unfortunately, health care policies are often complicated and confusing, filled with jargon that can confuse anyone without a law degree.

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