Health insurance is an ever-present topic in the United States, especially since the introduction of Obamacare in 2010 which expanded coverage to previously uninsured Americans. There are a number of forms of health insurance that exist in the United States. The main forms include varieties of private and public coverage. In 2016, UnitedHealth Group Inc was the largest health insurance company by direct premiums written, with 12.5 percent of the market share.
Home insurance isn’t legally required, but most homeowners invest in it because it prevents having to pay all the costs of home repairs or replacement of items after a fire, robbery, flooding, etc. Weather can cause serious property damage. There were 109,049 homeowner insurance claims paid due to lighting losses in 2016. In 2015, State Farm Mutual Automobile Insurance was the largest writer of homeowners insurance by market share in the United States.