The U.S healthcare system separates payers from consumers. This is despite the fact that some consumers pay for the healthcare services rendered to them by the health providers. The main reason as to why the U.S healthcare system separates payers from consumers is the healthcare costs that accompany the treatment of the latter. Health is one of the social and economic problems affecting most American households and individuals. According to Collins, Gunja, Doty, and Bhupal (2018), the biggest worry that accompanies most Americans is their inability to meet healthcare costs. Collins et al. (2018) noted that most Americans were particularly worried about drug prices. The separation of payers and consumers is to enact rules and regulation, which will govern the payers’ liability to consumers. In this respect, I the consumer seek healthcare services in registered healthcare center; the healthcare system will stipulate the liable payer for the healthcare costs. Separation of payers is also with an effort of assisting the consumer to understand whom they would hold liable in case of non-payment of the medical services rendered during their visit to healthcare centers. The separation between payers and consumers is majorly for a clear understanding of the liability of the former to health costs of the latter.

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