The idea about the health care program in the US is not new but it was mired in a whole lot of controversies and difficulties. There had to be a change brought about in order to set things that were ailing the system right. Right since the times of Harry Truman, every single American President has tried to bring about a change in the national health reform program. The objective of all of them has been to cover Americans with affordable health coverage.

Now, people look at health care in a different way. On one end there are the employers and business heads who find it really hard and difficult to provide health care coverage to all of their employees because of the rising costs.

The insurance companies are also not in sync with the reforms. They haven’t as yet agreed to all the reforms that have been put in front of them. The House and the Senate seems divided about the Health reform bill.

In the recent Presidential elections, President Barack Obama had made the reform in the American Healthcare system and what was ailing it to be one of the topmost domestic crucial agenda. After looking at the system minutely from all angles and perspectives and a whole lot of debate and discussion on 21 March, the House of Representatives passed the Bill. There were several last minute appeals and people watched with bated breath wondering whether the bill would come true.

It finally did come through on 21 March and this has been the greatest reform that has ever been seen in the American Health care system in the last 40 years. Not everyone in the House agreed for the bill. None of the Republicans voted in the favor of the bill and several Democrats were also not in favor of it being passed.

The thing that was there up to now in the American Health care system was that there was no universal system that was being followed. There are two large federal funded programs called Medicaid and Medicare. These programs take care of the retired, unemployed and the elderly Medicare.

The majority of the population is supposed to make their own way around their individual health care needs. Most working class people are covered by some health insurance scheme or the other by their employers. This is mostly paid for by salary deduction.

Other folks take health insurance coverage of their own. This entitles them to free of cost health care by paying a regular premium that is predefined.
However, there is another scheme wherein they end up paying a part of the cost and the rest is coved the by insurance company.

This is called the deductible. The amount that they pay as premium, the deductible that they are entitled to, all of this varies depending on the Health care insurance plan that they have signed up for.