Health care law encompasses the laws and regulations governing hospital and health care administration, and an understanding of health care insurance is integral to it. There are significant differences in the types and amount of coverage provided by various private insurance policies, such as HMOs, PPOs, disability insurance, and hospital indemnity insurance, just as there are important differences in the cost to the purchasers of health insurance. There are also public health care insurance programs. Elderly and disabled persons may be eligible for coverage through the federal Medicare program. The joint state-federal Medicaid program helps certain individuals, including disabled persons and low-income elderly persons, pay for long-term care and in-home health care.
Hartford is the capital city of the U.S. state of Connecticut. It is located in Hartford County on the Connecticut River, north of the center of the state, 24 miles (39 km) south of Springfield, Massachusetts. Its 2006 population of 124,512 ranks Hartford as the state's second-largest city, after Bridgeport. New Haven, 40 miles (64 km) to the south, has a population nearly identical to that of Hartford. Greater Hartford is also the largest metro area in Connecticut and 45th largest in the country with a metropolitan population of 1,188,841. Nicknamed the "Insurance Capital of the World", Hartford houses many of the world's insurance company headquarters, and insurance remains the region's major industry. Almost 400 years old, Hartford is among the oldest cities in the United States, and following the American Civil War, Hartford took the mantle of the country's wealthiest city from New Orleans. In 1868, Mark Twain exclaimed: "Of all the beautiful towns it has been my fortune to see, Hartford is the chief". Hartford has begun to attract new development, especially downtown, after years of relative stagnation. The Connecticut Convention Center was opened in 2005, and the Connecticut Science Center followed in 2009. In the 1960s, the construction of Interstate 91 effectively separated the city from the Connecticut River; ambitious landscaping projects are attempting to rejoin the riverfront to downtown. Hartford is home to the nation's oldest public art museum, the oldest public park, the oldest continuously published newspaper, the second-oldest secondary school, and until its closure in 2009, the sixth-oldest opera company in the nation. In 2004, the Hartford metropolitan area ranked second per capita for economic activity, behind San Francisco, California. Hartford is ranked 32nd of 318 metropolitan areas in total economic production and generates more economic activity than sixteen U.S. states.