THE ROLE OF INSURANCE COMPANIES IN THE U.S. HEALTHCARE SYSTEM:

by

REGULATORY, ECONOMIC, AND TECHNOLOGICAL PERSPECTIVES

Editorial Note

This article was originally published in Zarubezhnaya Meditsina i My on 22 October 2024.

The Editorial Board of the International Journal of Interdisciplinary Research has approved the republication of this article due to its interdisciplinary relevance and analytical contribution to the study of healthcare systems, insurance economics, and public policy in the United States.

The article is reproduced with the author’s permission and without substantive changes to its original content.

Abstract

The United States healthcare system is characterized by structural complexity, multi-stakeholder governance, and diverse financing mechanisms. Health insurance companies occupy a central position within this system, acting as intermediaries between patients, healthcare providers, and regulatory authorities. This article examines the role of insurance companies in shaping access to healthcare, cost structures, service quality, and innovation. Drawing on historical analysis, regulatory review, and contemporary policy debates, the study explores the functions, challenges, and future trajectories of health insurance in the U.S. healthcare system. Particular attention is given to regulatory frameworks, administrative efficiency, equity concerns, and the growing role of digital technologies.

Keywords:

health insurance, U.S. healthcare system, healthcare regulation, insurance economics, digital transformation, health policy.

Author: Boris Karsakov
ORCID: https://orcid.org/0009-0006-4851-6366

International Journal of Interdisciplinary Research
Volume 5, Issue 4 (2024)

Peer Reviewer (Acknowledged): Valerii Mukhortykh
ORCID: https://orcid.org/0009-0003-5883-6572

DOI: pending

Full Text (PDF)

THE_ROLE_OF_INSURANCE_COMPANIES_IN_THE_U_S_HEALTHCARE_SYSTEM-2

References

  1. OECD. Health Systems Characteristics and Financing. OECD Publishing, 2023.
  2. World Health Organization. Health Financing Policy Framework, 2022.
  3. U.S. Department of Health and Human Services. Health Insurance Market Reports, 2024.
  4. Kaiser Family Foundation. U.S. Health Insurance Coverage Trends, 2024.