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Health care financing for all Americans.

C J Schramm1

  • 1Health Insurance Association of America, Washington, DC 20036-3998.

JAMA
|June 26, 1991
PubMed
Summary
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This study proposes a multi-faceted approach to achieve universal health care access in America. Key strategies include market reforms, reinsurance, state risk pools, tax assistance, and Medicaid expansion for comprehensive health coverage.

Area of Science:

  • Health Services Research
  • Health Policy
  • Public Health

Background:

  • Millions of Americans lack access to health care financing.
  • Existing systems often fail to provide affordable and available coverage, particularly for small employers and high-risk individuals.

Purpose of the Study:

  • To outline a comprehensive strategy for achieving universal health care access in the United States.
  • To propose specific public and private initiatives to address gaps in health care financing.

Main Methods:

  • The study proposes a combination of legislative reforms and the establishment of new public and private mechanisms.
  • Recommendations include small-employer market reforms, a private reinsurance mechanism, state risk pools, tax assistance, and Medicaid expansion.
Keywords:
Health Care and Public HealthHealth Insurance Association of AmericaMedicaid

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Main Results:

  • Enacting small-employer market reforms would improve coverage availability and affordability.
  • A reinsurance mechanism and state risk pools would support high-risk individuals and groups.
  • Expanding Medicaid and providing tax assistance would broaden access for low-income populations and small businesses.

Conclusions:

  • A combination of public and private initiatives is essential for achieving universal health care access.
  • Targeted reforms and program expansions can effectively address current barriers to health care financing.
  • The proposed strategies aim to ensure that all Americans have access to necessary health care services.