Most people pay for medical care primarily through a combination of the following methods:
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Employer-provided insurance: A significant portion of the population receives health insurance through their employer, which often covers a substantial part of medical costs.
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Individual insurance: Some individuals purchase their own health insurance plans directly, especially those who are self-employed or do not have access to employer-sponsored insurance.
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State insurance (public programs): Government programs like Medicaid and Medicare provide health coverage for eligible individuals, including low-income individuals, the elderly, and those with disabilities.
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Out-of-pocket payments: Despite insurance coverage, some individuals may still pay directly for certain medical services, particularly those not covered by insurance, co-pays, or deductibles, or for uninsured services.
The proportions of people using each of these payment methods can vary based on factors such as employment status, income level, age, and health needs.