Ever wonder why getting medical care in the US feels like a whole different world from the NHS? You’re not alone. From private insurance plans that seem to change every week to hospitals that are owned by investors, the system can feel confusing. This guide breaks down the biggest pieces so you can make sense of it all.
First off, buying private health insurance in the US isn’t optional for most people. If you’re not covered by an employer or a government program like Medicare, you’ll need a plan on the open market. In 2025, the average monthly premium hovers around $500 for an individual, but prices can swing wildly based on age, location, and coverage level. Look for plans that list a clear deductible, out‑of‑pocket maximum, and a network of doctors you trust.
When you compare plans, focus on three things: how much you pay each month, how much you’ll pay before the insurance kicks in (the deductible), and what services are covered after that. A cheap monthly rate might hide a huge deductible that makes a routine doctor’s visit cost a lot. Use the comparison table on the insurance marketplace to sort by these three columns and spot the best value.
Don’t forget the extra perks some plans offer—telehealth visits, prescription discounts, or wellness programs. Those can save you time and money, especially if you’re comfortable with virtual appointments.
Unlike the UK’s mostly publicly funded hospitals, the US has a mix of private, nonprofit, and for‑profit facilities. Roughly 70% of US hospitals are privately owned, either by corporations or investors. This ownership model influences everything from the services offered to the price tag on a surgery.
One area where ownership matters is trauma care. Level 1 trauma centers provide the highest level of emergency services, and they’re not evenly spread across the country. In 2025, California leads with the most Level 1 centers, followed by Texas and Florida. If you live near one of these states, you’re more likely to get rapid, specialized care after a serious accident.
Why does this matter to you? Private hospitals often have faster scheduling for elective procedures but may charge more for emergency care. Public or nonprofit hospitals sometimes have longer wait times but can be less expensive for uninsured patients. Knowing which type of hospital is closest to you helps you plan for both routine and unexpected medical needs.
If you’re traveling in the US, check the local hospital’s ownership status and trauma level before you go. A quick Google search or a look at the hospital’s website can tell you if they’re a Level 1 center and whether they accept your insurance.
Bottom line: the US health system blends private insurance, diverse hospital ownership, and a patchwork of top‑tier trauma centers. Understanding these pieces lets you pick the right plan, choose the right hospital, and avoid surprise bills. Keep this guide handy the next time you’re reviewing coverage options or planning a move—knowledge is the best insurance you can have.
