Universal health coverage is government-sponsored healthcare for all citizens.
According to the U.S. Census Bureau, more than 45 million Americans do not have health insurance. Those without health insurance often do not receive the health care they need because they cannot or will not pay the cost of care, or they run up huge medical bill--which can lead to bankruptcy in some cases-- treating a serious illness or injury. Universal health coverage aims to prevent these situations from occurring.
Universal Health Coverage Defined
Universal health coverage is defined as free healthcare that is available to all residents of a particular country. Universal health coverage is funded by the government, through taxes. In a universal health coverage system, the government determines which healthcare services are available to citizens, and how much providers will be paid for services. In some cases, such as in the health care law passed by the United States government in 2010, universal health coverage is achieved through a combination of government programs, a mandate that residents must purchase health care and regulations on how much insurance can cost.
Benefits of Universal Health Coverage
The main benefit to universal health coverage is that everyone is covered, regardless of income. A serious illness or injury will not lead to bankruptcy or financial hardship due to medical bills. Proponents of universal health coverage also argue that better access to health coverage will help keep people healthy, since they will see doctors for preventive screenings and minor illnesses before they become major problems.
Drawbacks of Universal Health Coverage
The major drawback to universal health coverage is cost. It is expensive to offer health insurance to millions of people, and opponents of universal health coverage in the United States argue that the cost will covered by either increases in taxes or cuts to important programs. In addition, access to healthcare services may become more limited, as those who have not traditionally visited doctors will be more likely to do so. Other opponents argue that because price limits will be placed on drugs, medical equipment and services, there is less incentive to pursue medical research and advancements.
Health Coverage in America
According to the Connecticut Coalition for Universal Health Care, the United States is the only industrialized country in the world that does not offer universal health coverage. Most Americans who have health insurance get it through their employers, who generally cover a portion of the premiums for employees. Some Americans purchase health insurance on their own, or receive Medicare or Medicaid coverage from the government.
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