Johnson, Lady Bird; Project Head StartLady Bird Johnson, the wife of U.S. Pres. Lyndon B. Johnson, visiting a classroom at the Kemper School in Washington, D.C., for Project Head Start, March 19, 1968. LBJ Library photo by Robert Knudsen
Persons who have been employed are eligible for retirement pensions under the Social Security program, and their surviving spouses and dependent children are generally eligible for survivor benefits. Many employers provide additional retirement benefits, usually funded by worker and employer contributions. In addition, millions of Americans maintain individual retirement accounts, such as the popular 401(k) plan, which is organized by employers and allows workers (sometimes with matching funds from their employer) to contribute part of their earnings on a tax-deferred basis to individual investment accounts.
With total health care spending significantly exceeding $1 trillion annually, the provision of medical and health care is one of the largest industries in the United States. There are, nevertheless, many inadequacies in medical services, particularly in rural and poor areas. At the beginning of the 21st century, some two-thirds of the population was covered by employer-based health insurance plans, and about one-sixth of the population, including members of the armed forces and their families, received medical care paid for or subsidized by the federal government, with that for the poor provided by Medicaid. Approximately one-sixth of the population was not covered by any form of health insurance.
The situation changed markedly with the enactment of the Patient Protection and Affordable Care Act (PPACA), often referred to simply as Obamacare because of its advocacy by Pres. Barack Obama, who signed it into law in March 2010. Considered the most far-reaching health care reform act since the passage of Medicare—but vehemently opposed by most Republicans as an act of government overreach—the PPACA included provisions that required most individuals to secure health insurance or pay fines, made coverage easier and less costly to obtain, cracked down on abusive insurance practices, and attempted to rein in rising costs of health care.
Pres. Barack Obama (centre left) and Vice Pres. Joe Biden (centre right) reacting after the U.S. House of Representatives passed the Patient Protection and Affordable Care Act, March 21, 2010.Pete Souza—Official White House Photo
The federal Department of Health and Human Services, through its National Institutes of Health, supports much of the biomedical research in the United States. Grants are also made to researchers in clinics and medical schools.
Housing
About three-fifths of the housing units in the United States are detached single-family homes, and about two-thirds are owner-occupied. Most houses are constructed of wood, and many are covered with shingles or brick veneer. The housing stock is relatively modern; nearly one-third of all units have been constructed since 1980, while about one-fifth of units were built prior to 1940. The average home is relatively large, with more than two-thirds of homes consisting of five or more rooms.
Nineteenth-century town houses in Alexandria, Virginia.Milt and Joan Mann/CameraMann International
Housing has long been considered a private rather than a public concern. The growth of urban slums, however, led many municipal governments to enact stricter building codes and sanitary regulations. In 1934 the Federal Housing Administration was established to make loans to institutions that would build low-rent dwellings. However, efforts to reduce slums in large cities by developing low-cost housing in other areas were frequently resisted by local residents who feared a subsequent decline in property values. For many years the restrictive covenant, by which property owners pledged not to sell to certain racial or religious groups, served to bar those groups from many communities. In 1948 the Supreme Court declared such covenants unenforceable, and in 1962 Pres. John F. Kennedy issued an executive order prohibiting discrimination in housing built with federal aid. Since that time many states and cities have adopted fair-housing laws and set up fair-housing commissions. Nevertheless, there are considerable racial disparities in home ownership; about three-fourths of whites but only about half of Hispanics and African Americans own their housing units.
During the 1950s and ’60s large high-rise public housing units were built for low-income families in many large U.S. cities, but these often became centres of crime and unemployment, and minority groups and the poor continued to live in segregated urban ghettos. During the 1990s and the early 21st century, efforts were made to demolish many of the housing projects and to replace them with joint public-private housing communities that would include varying income levels.
Education
The interplay of local, state, and national programs and policies is particularly evident in education. Historically, education has been considered the province of the state and local governments. Of the approximately 4,000 colleges and universities (including branch campuses), the academies of the armed services are among the few federal institutions. (The federal government also administers, among others, the University of the Virgin Islands.) However, since 1862—when public lands were granted to the states to sell to fund the establishment of colleges of agricultural and mechanical arts, called land-grant colleges—the federal government has been involved in education at all levels. Additionally, the federal government supports school lunch programs, administers American Indian education, makes research grants to universities, underwrites loans to college students, and finances education for veterans. It has been widely debated whether the government should also give assistance to private and parochial (religious) schools or tax deductions to parents choosing to send their children to such schools. Although the Supreme Court has ruled that direct assistance to parochial schools is barred by the Constitution’s First Amendment—which states that “Congress shall make no law respecting an establishment of religion”—it has allowed the provision of textbooks and so-called supplementary educational centres on the grounds that their primary purpose is educative rather than religious.
San Jose State University, CaliforniaTower Hall and Morris Dailey Auditorium, San Jose State University, San Jose, California.John Pozniak
Public secondary and elementary education is free and provided primarily by local government. Education is compulsory, generally from age 7 through 16, though the age requirements vary somewhat among the states. The literacy rate exceeds 95 percent. In order to address the educational needs of a complex society, governments at all levels have pursued diverse strategies, including preschool programs, classes in the community, summer and night schools, additional facilities for exceptional children, and programs aimed at culturally deprived and disaffected students.
Although primary responsibility for elementary education rests with local government, it is increasingly affected by state and national policies. The Civil Rights Act of 1964, for example, required federal agencies to discontinue financial aid to school districts that were not racially integrated, and in Swann v. Charlotte-Mecklenburg County (North Carolina) Board of Education (1971) the Supreme Court mandated busing to achieve racially integrated schools, a remedy that often required long commutes for African American children living in largely segregated enclaves. In the late 20th and the early 21st century, busing remained a controversial political issue, and many localities (including Charlotte) ended their busing programs or had them terminated by federal judges. In addition, the No Child Left Behind Act, enacted in 2002, increased the federal role in elementary and secondary education by requiring states to implement standards of accountability for public elementary and secondary schools. James T. Harris The Editors of Encyclopaedia Britannica