The costs of medical health care are increasing all the time. Governments are finding it difficult to balance the health care budget. Should citizens be totally responsible for their own health costs and take out private health insurance, or is it better to have a comprehensive health care system which provides free health services for all? Discuss your viewpoint on this issue.

A much-debated issue these days is whether citizens should take out private
health
insurance
or not. The cost of providing free medical
care
for both the wealthy and the poor is far too great for any government, and most people agree that if you can pay for
insurance
, you should. In
this
essay, I will argue that all who can afford it should be insured, but the free medical
care
must be made available for those too poor to do so. The most important reason for encouraging people to take out private
health
insurance
is the cost to the government of
health
care
. Free
health
coverage for people who are able to pay for it is a waste of public money. Of course, people will only pay
health
insurance
premiums if they know that they are getting good value for their money. If they get sick, they should pay very little or nothing at all.
In addition
, the privately insured are entitled to special benefits
such
as having the choice of their own doctors and being able to avoid long waiting lists for hospital beds.
On the other hand
, those who really cannot afford to pay private
insurance
premiums, which are often very high, are still entitled as citizens to the best medical
care
available – they cannot be expected to pay their own medical bills.
However
, if they are working, they should still pay a percentage of their wages (say 1 to 2%) as a tax which pays towards the cost of providing "free" medical services. In conclusion, most people should privately insure their
health
, but it is unreasonable to suppose that all citizens can afford it.
Therefore
, a safety net in the form of a basic free
health
care
system must exist for the very poor and the unemployed.
Submitted by koolkid_karan on

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