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Introduction To Health Care Delivery System

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The healthcare system is constantly changing and complex. Various services are available from different healthcare providers, but gaining access to these services has become challenging for people with limited healthcare insurance. Uninsured people present a challenge to healthcare because they frequently postpone or forego treatment.
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The issues and trends in healthcare delivery are constantly changing. The COVID-19 pandemic is one recent issue that wreaked havoc on healthcare systems, causing a shortage of healthcare workers, high demand for medicines and supplies, and increased medical expenditure due to a lack of insurance. Other issues include rising healthcare costs and care fragmentation.
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Standards of Care II

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Innovative Strategies and Insurance Consequences for Implementing Universal Health Insurance in the United States.

Rainer W G Gruessner

Journal of Insurance Medicine (New York, N.Y.)

|November 25, 2024

Summary

Achieving Universal Health Insurance in the US involves overcoming structural and cost barriers. Two pathways, Medicare expansion or a national 2-tier system, offer viable, affordable solutions without significant tax hikes.

Keywords:

2-tier Health Insurance Health Economics Health Policy Medicare-expansion Universal Health Coverage Universal Health Insurance

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Area of Science:

Health Policy
Healthcare Economics
Public Health Systems

Background:

The United States lacks Universal Health Insurance due to entrenched infrastructure and cost concerns.
Existing healthcare coverage is a complex mix of public and private sector provisions.
Societal pursuit of Universal Health Insurance remains an ongoing challenge.

Purpose of the Study:

To propose feasible pathways for establishing Universal Health Insurance in the United States.
To address cost containment and financing for proposed Universal Health Insurance models.
To assess the insurance consequences of different Universal Health Insurance system designs.

Main Methods:

Analysis of two distinct Universal Health Insurance reform pathways.
Pathway 1: Medicare-expansion targeting the uninsured population.
Pathway 2: A national, 2-tier healthcare system for all citizens.
Evaluation of financing mechanisms, focusing on existing and untapped funding sources.
Assessment of insurance implications for each proposed model.

Main Results:

Both proposed pathways offer solid financing options without substantial tax increases.
Medicare-expansion presents minor insurance consequences.
A national 2-tier system has more wide-ranging but achievable insurance consequences.

Conclusions:

Universal Health Insurance is achievable in the US by retaining existing infrastructure.
Medicare-expansion and a national 2-tier system are viable, cost-effective models.
Policy reform can overcome barriers to Universal Health Insurance, ensuring coverage for all Americans.