Explore the integration of health care financing and delivery in the United States through this insightful lecture. Examine the effectiveness of active health insurance schemes in reducing costs and improving outcomes compared to passive schemes. Delve into the American Medicare program, comparing active and passive insurers, and discover how regulatory changes have impacted selection. Learn about the advantages of active insurers in managing chronic diseases, controlling costs, and maintaining quality of care. Investigate the roles of preventive services, consumer ratings, and provider networks in shaping health care delivery. Analyze study results on mortality, utilization, spending, and outcomes in different Medicare models. Gain valuable insights into the complexities of the US healthcare system, including the impact of the Patient Protection and Affordable Care Act and the challenges of information sharing and competition in the industry.