system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: The US Health Care System.

I'm from the UK so I have used the NHS for all my medical needs. The US system baffles me but it is discussed quite regularly on reddit, can someone please explain?
gpt
Doctors and hospitals are like private businesses. But most people don't pay them directly; instead the person gets "health insurance" pays medical bills. Many employers pay for their employees' health insurance, but many don't, and some people have none. Only old people and a few special groups get free health insurance from the government. Poor people often have none. 

Also, often the insurance doesn't pay the whole bill, only 80% or some other portion.