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?

According to

the database of the

health

insurance

bureau, National

Health

Insurance

in Taiwan costs an average of 800 billion in 2022, the expenditure was rising year by year, it was in debt for continuous fifth

years

, and the financial gap in the past five

years

has reached as high as 916 billion. The government of Taiwan was considering increased

health

insurance

fees, that was originally scheduled to increase on May 15th, 2022, but were postponed

due to

COVID-19. Tracing back to National

health

insurance

which was begun on March 1st, 1995, the population who visit hospitals just only pay one-tenth of medical expenses,

nevertheless

the cheap, good quality and convenient service have positive benefits for the community,

on the other hand

, it is effective the crisis in the past 28

years

. As a matter of fact, the government should take care of communities which are vulnerable groups, so

this

policy could support them with no need to worry about expensive fee of medical,

however

, most societies squandered their resources because of the low-price medical fees. I think most citizens should be totally responsible for their own

health

costs and take out private

health

insurance

, for the purpose of decreasing the debt of

the

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government, the medical

insurance

policy should be changed or amending the law after 28

years

, and the whole environment was changing, the old regulation should not be used in the new generation. Personal medical

insurance

may cover the self-paid procedures which public

insurance

doesn’t pay off. Private

insurance

provides a better quality surgical intervention and expensive remedy. For another example, curing cancer may need to receive immunity therapy or target therapy which is expensive and some of the medications not include in national

health

insurance

. To summarize the article, there were two sides to one thing, every choice made a different result. The advantage of a comprehensive

health

care system, which provides free

health

services for all, in order to cover everyone I think it was a useful policy,

however

, it must be to increase taxes on citizens, unless the situation will be worse.