The Affordable Care Act (ACA) established a shared responsibility between the government, employers and individuals to make sure that all Americans have affordable and good-quality health insurance (Commonwealth Fund, 2018). Today, health care coverage is divided between private and public sources, including the centers for Medicare and Medicaid Services (Commonwealth Fund, 2018). In 2015, 67.2 percent of U.S. residents received health coverage through private voluntary health insurance; 55.7% received employer-provided insurance; 14.6% acquired coverage directly; 37.1 % of the residents were covered by public programs; 16.3% were covered by Medicare and 19.6% were covered by Medicaid (Commonwealth Fund, 2018) [K. Denkovska].

With the implementation of the ACA in January 2014, reforms were put in place to help increase the number of insured people. The reforms included that Americans must obtain health insurance; the opening of the health insurance marketplaces which offer premium subsides to lower-and-middle-income individuals; the expansion of Medicaid in many states in order to increase the coverage for low-income adults (Commonwealth Fund, 2018) [K. Denkovska].

Reference: Commonwealth Fund. (2018). The U.S. health care system. International Health Care System Profiles. Retrieved from