What you ask would take many paragraphs to explain in full. The short is that is varies a lot depending on your employers plan. A small percentage of working ag

What you ask would take many paragraphs to explain in full. The short is that is varies a lot depending on your employers plan. A small percentage of working age individuals get coverage outside on “Obamacare” and those plans vary a lot too. Initially there were decent plans but over the years now in most areas you can only get “silver HMO” plans that limit who you can see, carry very large (several thousand dollar) deductibles that have to be met before insurance pays, then have high coinsurance amounts (up to 30% that you have to pay even after meeting the deductible) and have max put of pocket limits of several tens of thousands before you finally don’t pay anything. As a result it’s generally not financially advisable to get insurance unless your employer provides it because you won’t be able to use it. Medicare kicks in for over 65s or those who have been disabled for over 2 years. Medicare requires a 20% copay for everything which can be taken down to zero by using a supplement plan which generally costs between 100-300 per month depending on your age and region. You also then need separate prescription insurance which costs $20-50 per month and has really insane complex rules that mean you may still end up paying tens of thousands a year if you have specialty drugs. Medicaid is for “poor” people but varies depending on states. The cut off for eligibility is very low and in some states it still doesn’t cover adult age people unless they have a child or are on social security insurance. Those profiting are a mixture of medical professionals, administrative staff due to the bloated administration required, of course all the private hospital and clinic systems around the country. And the insurance companies who take their increasingly large cut. In defense of the medical professionals many want to move to single payer for a variety of reasons (eg American college of physicians group and others have come out in support). Although they may make more revenue in the current system it also causes an insane amount of extra overhead and distracts from their ability to do their job. By 2027 the US health spending is projected to become 20% of GDP. This is not a healthy economic situation to be in. Our current system is both morally indefensible (65,000 die every year due to lack of coverage) and also fiscally indefensible ($500 billion would be saved every year moving to single payer). Yet it persists. That is the power of bested interests, lobbyists, and legalized political corruption. Edit: That wasn’t very short in the end. I’m on mobile or I’d provide more detail and references.