The US healthcare system is the most expensive and complex in the world, funded by a diverse mix of public and private payers. Unlike other countries, there is no single nationwide health insurance model—each program varies in benefits, financing, and payment methods. This primer provides a comprehensive overview of the different insurance programs in the US, explaining how they are financed, underwritten, and administered. You’ll also learn about the essential features of insurance plans and how insurers collaborate with healthcare providers, government agencies, employers, and key intermediaries like Pharmacy Benefits Managers to deliver coverage.

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