The U.S. health system is a mix of public and private, for-profit and nonprofit insurers and health care providers. The federal government provides funding for the national Medicare program for adults age 65 and older and some people with disabilities as well as for various programs for veterans and low-income people, including Medicaid and the Children’s Health Insurance Program. States manage and pay for aspects of local coverage and the safety net. Private insurance, the dominant form of coverage, is provided primarily by employers. The uninsured rate, 8.5 percent of the population, is down from 16 percent in 2010, the year that the landmark Affordable Care Act became law. Public and private insurers set their own benefit packages and cost-sharing structures, within federal and state regulations.
Colonial-style houses are simple rectangular homes that became popular in the 1600s as colonists settled the East Coast. These homes have many variations due to the fact that new communities all over the world built Colonial-style homes to suit their culture.
British Colonial style is the most common and recognizable Colonial home. Its key features include:
- A side-gabled roof
- Two floors
- A centered front door
- Symmetrical windows on either side of the door
The rectangular shape and interest in symmetry are seen in other Colonial house styles, too. Materials and decorative features can vary by region, as some Colonial houses sport brick exteriors and ornate trim, while others showcase shingle siding and simple shutters.
These are also some of the cheapest types of houses to build.
A French Country home has a rustic yet upscale charm. French Country architecture is designed after French chateaus and became popular with American soldiers returning from World War I.
French Country homes offer a unique house style featuring:
- Steep pitched or hipped roofs
- Tall ceilings and windows
- Traditional materials including clay, stone, and brick offer a rustic appeal
- Exposed wooden beams in ceilings and walls
French Country homes are designed with their environment in mind. They often feature neutral colors with soft, nature-inspired pops of color like sunshine yellows and grass greens.
Around the 1820s, Americans experienced a renewed interest in classic Greek and Roman culture. This cultural shift was a natural fit for architects, who brought the Greek Revival house style to life.
Greek Revival architecture became popular in homes as well as businesses, banks, and churches. Prominent features include:
- Easy to identify shapes, including a rectangular building and triangular roofs
- Gable-front designs
- Large porches and protected entryways
- Greek-inspired columns both square and round
Greek Revival homes often have decorative trim and moulding around the front door and windows. These ornate features and columns are easy ways to identify Greek Revival architecture.
Gothic Revival architecture grew in the mid-19th century and was one of the early styles of Victorian-era homes. The Gothic Revival style takes influence from Medieval Europe and was designed as a country home. Architects believed the asymmetrical design and ornamentation complemented the nature of rural America.
Gothic Revival homes can be identified by their:
- Pointed arch in windows, doors, and decoration
- Elaborate wood trim vergeboards and bargeboards
- Steeply pitched roofs and front-facing gables
- Towers and turrets resembling medieval castles
Gothic Revival architecture was a popular style for schools and churches as well as rural homes.
Italianate architecture continues the trend of asymmetrical design, romanticism, and Medieval influence — this time borrowing features from Medieval Italy. Italianate style is common up and down the East Coast and peaked in popularity between 1850 and 1880.
Italianate architecture features:
- Belvederes for natural light and airflow
- Overhanging eaves with decorative support brackets
- Tall and narrow or pedimented windows with rounded crowns
- Cast iron detailing and decor
Pattern books were becoming a popular way for craftsmen to build homes in different styles. This flexibility meant Italianate features were accessible for a variety of homes including large estates and urban townhouses.
Victorian homes were built between 1837 and 1901 while Queen Victoria reigned in Britain. “Victorian” actually refers to multiple styles that vary in influence, but each features ornate detailing and asymmetrical floor plans.
The key features of a Victorian-era home include:
- Elaborate woodwork and trim
- Towers, turrets, and dormer windows
- Steep gabled roofs
- Partial or full-width porches
Victorian homes are all about ornamentation — industrialization allowed these homes to be produced en masse and across a variety of architectural styles.
