The majority of Americans (64.2% in 2012) are privately insured, either through privately purchased insurance or through insurance provided by their employer or an employer of one of their family members. The government provides various public insurance schemes for low-income groups, older citizens and high-risk groups: Medicare (which covers 15.6% of the population) provides health insurance to residents over 65, people with disabilities and people with end-stage renal disease. In addition, Tricare and the Veteran Health Administration provide health coverage for military personnel, veterans and their families (4.5%). States’ Medicaid programmes cover low-income people (17.3% of the population ).