It is evidently clear from the discussion that healthcare insurance is considered one of the booming sectors in the US, which has been creating a strong impact on the citizens’ lifestyle choices, irrespective of their age groups or income capacities. The US insurance sector can be further divided into two dimensions, i.e. the government-owned insurance providers and the privately-owned insurance providers. The governance system in the US has an exceedingly intricate and long-winded system for delivering health care benefits that help preserve justness and transparency in the entire process. However, special relaxations are provided to specific professionals associated with military services, the federal government, and various state programs. In the present day context, US citizens have become increasingly involved in procuring various types of health care insurance and coverage plans offered by both the government and private healthcare agencies. US citizens tend to use healthcare insurance services for various reasons, such as preventing future healthcare risks, satisfying the financial requirements of future healthcare treatments, and reducing the possibilities of monetary insecurity for their families after their death. It is in this context that healthcare insurance helps provide financial benefits to an individual to mitigate health-related hazards, compensating majority of the expenses incurred while availing of compulsory medical facilities. The development of healthcare policies in the country has been based on these key interests, which can be further considered as either convenient or inconvenient on the basis of quality and value of health care services rendered by the governmental and non-governmental institutions.