关键词：健康保险业；医疗保险；私营企业
摘 要：The main objective of health insurance is to defend persons against the risk of financial adversity when in need of an expensive medical care. Theoretically, most people are ready to pay higher for a health insurance than their expected costs, but practically, people with lower income or higher expected healthcare expenses find it hard to afford the right premium plans, thus becoming susceptible to financial crisis during medical treatments. Since health insurance coverage is mainly beneficial for individuals who incur higher expense on health care, several health insurance premium plans are positioned to attract enrollees with above average healthcare costs.The US health insurance market is dominated by private players such as UnitedHealth Group and Wellpoint. The Majority of private(non-government) health insurance coverage in the US is employment-based. Employment based insurance plans portray the highest number of health insurance enrollees in the US.
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