The American model Unlike every other developed country,the United States lacks universal guaranteed insurance for all citizens. Nevertheless,most Americans find insurance coverage through one of these three avenues: employer-based insurance,Medicare and Medicaid. This mix of private and public insurance is a hallmark of the American model. Bhattacharya,Hyde and Tu-HealthEconomics Bhattacharya, Hyde and Tu – Health Economics The American model  Unlike every other developed country, the United States lacks universal guaranteed insurance for all citizens.  Nevertheless, most Americans find insurance coverage through one of these three avenues: employer-based insurance, Medicare and Medicaid.  This mix of private and public insurance is a hallmark of the American model