Insights into the U.S. Healthcare System: A Comparative Analysis with the Netherlands

This paper investigates different factors influencing access to healthcare insurance in the US. It discusses the role of insurance companies, regulations, competition, and federal policy impacts. Drawing on research from journal articles, as well as comparisons to examples of European healthcare, the study emphasizes differences in structure as well as financing. Economic concepts like adverse selection and moral hazard are explained to describe challenges within the insurance market, along with strategies to mitigate them. By the end, the synthesis section proposes recommendations for improving the U.S. healthcare system, including enhancing affordability, strengthening insurance regulation, promoting preventive care, and expanding Medicaid coverage. Through this analysis, the paper discusses opportunities for healthcare reform.