Agency: Health Policies and InsuranceUSThe US healthcare system is centered around a mixed insurance system with both private and public insurance institutions. The health insurance system also relies heavily on employment. Whether companies and employees become key sponsors of insurance depends to a large extent. This has driven many businesses into bankruptcy as they are unable to sustain the amount of funds needed just to keep their employees' insurance policies active. Insurance has become so profitable that there are more than a thousand private companies that want to share this very profitable business. Additionally, these companies are not nationally regulated. Profit-driven companies have also come up with many overlapping and unnecessary policies to fully exploit the loophole in the American healthcare system. Added to these are public insurance policies such as Medicare: covers the elderly, disabled and end-stage renal diseases, and Medicaid: children, war veterans and self-employed workers. In 2015, 15% of the population is uninsured; one of the main reasons is because people do not have enough knowledge about their suitability. The Affordable Care Act (ACA), implemented in 2010, has impacted the healthcare system in the United States. It also dramatically reduced the number of Americans who didn't pay for insurance. In 2014 it also imposed a tax penalty on companies of a certain size that do not provide insurance and on individuals without existing personal insurance. This, however, has caused many small and medium-sized businesses to go bankrupt, benefiting only large multinationals that can provide in-house insurance. This has helped reduce the number of people without in...... middle of paper ......and able to replicate. Furthermore, it's not all rosy in Singapore: post-retirement healthcare coverage is still insufficient. The system also offers a great advantage to high-income individuals since the amount of money in the HSA is proportionate to the amount of money an individual earns. Conclusion In conclusion, I believe that in smaller nations like Singapore, it is always up to policies and government to be able to efficiently change what needs to be improved. Strict rules, the mindset of individuals and the structure of the nation also play an important role in the success of Singapore's healthcare system. In countries like the United States, they should implement state-based policies and cater to different communities according to their needs. It is difficult to impose a one-time solution on a game as diverse as the United States.