Universal health care

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[[File:Otto_vBismark.jpg|thumb|165px|Otto von Bismarck, Chancellor of the [[German Empire]] (founded in 1871), in 1863]]
{{cquote|We cannot protect a man from all sickness and misfortune. But it is our obligation, as a society, to provide assistance when he encounters these difficulties ... A rich society must care for the [[poor]].|||Otto Eduard Leopold von Bismarck.<ref name="R-ch5">Reid, T. R. ''The Healing of America: a Global Quest for Better, Cheaper, and Fairer Health Care''. Penguin Books, 2010. "Chapter 5: Germany – 'Applied Christianity'". ISBN 978-1-59420-234-6.</ref>}}
{{economics}}

'''Universal health care''' (also spelled '''universal healthcare''') describes any system whereby all residents of a given jurisdiction, often a [[country]], are able to receive [[medical]] attention without incurring financial hardship. Universal health coverage includes not just the full spectrum of health services - namely the promotion of healthy lifestyles, prevention, treatment, rehabilitation, and palliative care - but also the necessary legislation, financing, infrastructure, and bureaucracy. But it does not mean providing all possible medical services, since no country can afford to do so [[Sustainability |sustainably]].<ref name="WHO">
[https://www.who.int/en/news-room/fact-sheets/detail/universal-health-coverage-(uhc) Universal Health Coverage]. World Health Organization. December 5, 2018. </ref>
Nor does it prevent people from paying out of their own pockets for supplemental elective services such as private hospital-rooms or cosmetic surgeries.<ref name="Cheng"/>

The 1948 Constitution of the World Health Organization declares healthcare a fundamental [[Human rights| human right]].<ref name="WHO"/>

==Basic models==
[[File:Sir_W.H._Beveridge,_head-and-shoulders_portrait,_facing_left.jpg|thumb|165px|William Beveridge in 1910]]

There are four basic healthcare models.<ref name="PBS">[http://www.pbs.org/wgbh/pages/frontline/sickaroundtheworld/countries/models.html Health Care Systems – The Four Basic Models], PBS ''Frontline''. April 15, 2008. </ref>
*'''The Beveridge model'''. Named after William Beveridge, the architect of the [[United Kingdom]]'s National Health Service (NHS), this system gives the government the ability to directly provide and finance medical care via [[taxes]], making care available at no further cost to citizens in the same way as providing public roads and hospitals are. Besides its mother country, variations of the Beveridge model are found in [[Universal_health_care#Hong_Kong|Hong Kong]], [[New Zealand]], [[Spain]], and most [[Scandinavia]]n countries.<ref name="PBS"/>
*'''The Bismarck model'''. Prussian Chancellor Otto von Bismarck introduced this in 1883 as part of his welfare programs for the citizens of the newly-unified German Empire. Health insurance plans, or "sickness funds", are jointly financed by the employers and employees, and do not make profits. Unlike the Beveridge Model, this system has multiple payers but is tightly regulated, keeping costs down. In addition to [[Universal health care#Germany|its Fatherland]], variants of the Bismarck model has been implemented in [[Belgium]], [[Universal healthcare#France|France]], [[Universal health care#Japan|Japan]], the [[Netherlands]], and [[Universal health care#Switzerland|Switzerland]].<ref name="PBS"/>
*'''The National Health Insurance model'''. This is a hybrid of the Beveridge and Bismarck models. While healthcare providers are private, the system is funded by taxes. [[Marketing]] and profits do not exist, and administrative costs are kept low due to its simplicity. This model also keeps costs low by limiting the types of medical services patients can receive and by making them wait for treatment. While the classic model is in its home and native land, [[Universal health care#Canada|Canada]], its modified versions have also been adopted in [[Universal_health_care#China_.28Taiwan.29.2C_the_Republic_of|Taiwan]] and [[South Korea]].<ref name="PBS"/>
*'''The out-of-pocket model'''. This is practiced in countries that do not have a universal healthcare program for one reason or another, which is to say, most of the countries that exist right now. As of 2008, around 40 countries have a universal healthcare.<ref name="PBS"/> The absence of a well-organized public health system makes it easy for the gullible to be exploited due to the asymmetry of information{{---}}doctors know more about medicine than patients{{---}}and by cranks and charlatans.<ref name="Sen"/>

The first and third models are what people mean when they say "single-payer health insurance". Since each country is unique, each must develop its own approach to making progress in healthcare.<ref name="WHO"/> For example, it would be counterproductive for a poor or developing country to build a state-of-the-art Western-style hospital because few people could afford to use it. This is an instance of the well-known concept of opportunity costs. There exists no such thing as an ideal one-size-fits-all model. Each existing universal healthcare system is the result of compromises, culture, history, contemporary social trends, and education.<ref name="Cheng"/> Still, there is value in international standardization for easy assessment.<ref name="WHO"/> Willingness to learn from other countries is a strength.<ref name="Brookings"/>

===A perfect system===
According to public health expert Mark Britnell, a perfect healthcare system has the following characteristics:<ref name="B-ch1"/>
*Mental health and well-being of Australia,
*Patient and community empowerment in parts of Africa,
*Community services of Brazil,
*Choice of France,
*Innovation, flair and speed of India,
*Primary care of Israel,
*Aged care of Japan,
*Health promotion of the Nordic countries,
*Funding of Switzerland,
*Values and universal access of the United Kingdom, and
*Research and development of the United States.

All countries, developed or developing, can learn from each other. The perfect healthcare system does not exist.<ref name="B-ch1">Britnell, Mark. ''In Search of the Perfect Health System''. Palgrave, 2015. "Chapter 1: The Perfect Health System". ISBN 978-1-137-49661-4. </ref>

==Advantages==
*'''Affordable healthcare for all citizens (and foreign residents)'''. No one will have to live with too little or no health insurance.<ref name="H-health-blog"/> Medical bankruptcy will cease to be.<ref name="VOA-WHO">[https://www.voanews.com/a/who-universal-health-coverage/4336668.html WHO: Universal Health Coverage Saves People from Financial Ruin]. VOA News. April 7, 2018. Accessed February 2, 2019.</ref> A purely competitive market equilibrium does not exist in healthcare due to the asymmetry of information. Obviously, doctors know more about medicine than patients.<ref name="Sen"/> With the right government actions, however, market forces can help produce the desired social goals.<ref name="Cheng"/> Furthermore, curing patients may not be a sustainable business model.<ref>[https://www.cnbc.com/2018/04/11/goldman-asks-is-curing-patients-a-sustainable-business-model.html Goldman Sachs asks in biotech research report: 'Is curing patients a sustainable business model?']. CNBC. April 11, 2018. </ref>
*'''Adverse selection is avoided'''. This is due to another instance of asymmetric information. People naturally know more about their own health than insurers and have an incentive to hide any serious problems lest they are denied coverage or get charged with a higher premium. Furthermore, high-risk individuals are more likely to purchase insurance, and purchase more insurance than low-risk individuals. With such a risky insurance pool, companies must raise premiums in order to stay solvent. This drives away low-risk individuals. Economist Kenneth Arrow showed that this vicious cycle goes away if a single-payer system is implemented.<ref name="50-Arrow">Pressman, Steven. ''Fifty Major Economists''. "Kenneth J. Arrow (1921-)". 2nd ed., Routledge/Taylor & Francis Group, 2006. ISBN 0-415-36649-6. </ref>
*'''Efficiency of scale'''. More people covered means distributed risks and lower costs overall.<ref name="WHO"/><ref name="VOA"/>
*'''Bureaucratic simplicity'''. Money invested in healthcare is spent only on healthcare and related administration, rather than on profit-making insurance companies, which keeps costs low, because the main goal is to get people healthy and save their lives.<ref name="H-health-blog">Andrea S. Christopher, MD. [https://www.health.harvard.edu/blog/single-payer-healthcare-pluses-minuses-means-201606279835 Single payer healthcare: Pluses, minuses, and what it means for you]. Harvard Health Blog. June 27, 2016. </ref> Single-payer systems have especially low administrative costs.<ref name="Cheng"/> 
*'''Incentives for governments to keep their people healthy''' in order to reduce costs.<ref name="H-health-blog"/> This means prioritizing preventive care, as well as dealing with public health hazards, for instance, governments would find it cheaper to replace all the [[lead]] pipes rather than treating everyone who would get lead poisoning. As a matter of fact, preventive care and public health campaigns have saved many more lives than specific treatments while costing much less money and despite not receiving a lot of public attention.<ref name="R-ch11"> Reid, T. R. ''The Healing of America: a Global Quest for Better, Cheaper, and Fairer Health Care''. "Chapter 11: An Apple A Day". Penguin Books, 2010. ISBN 978-1-59420-234-6. </ref> However, different systems come to different conclusions on what kind of preventive care should be covered. For example, annual comprehensive health checks are free in Japan, but not in the U.K.<ref name="R-ch6"/>
*'''Coverage continuity'''. Health insurance is not lost due to employment status changes or age. In single-payer countries such as [[universal health care#Canada|Canada]] or the U.K., healthcare is funded by general taxation so there are no premiums to pay.<ref name="R-ch8"/><ref name="R-ch7"/> In multi-payer countries such as France, Germany, or Japan, the government picks up the employers' shares of the premiums if a person becomes unemployed.<ref name="R-ch4"/><ref name="R-ch5/><ref name="R-ch6"/>
*'''Improved life expectancy'''. Countries with universal healthcare report higher life expectancy than comparable ones without.<ref name="H-health-blog"/> As a recent example, newly industrialized Taiwan implemented universal healthcare in the 1990s and reported markedly higher recovery rates from major conditions and longer life expectancy overall about a decade after.<ref name="R-ch10"/>
*'''Social equity, inclusion, and cohesion'''. Healthcare will no longer be a privilege of the wealthy; the poor will not have their futures ruined because of medical bills.<ref name="WHO"/> Historically, '''national unity''' was one of the reasons why a national health insurance program was introduced in Bismarck's Germany, and, shortly afterwards, Meiji Japan.<ref name="R-ch5"/><ref name="R-ch6"/> More recently, it was also one of the reasons for the passage of universal health coverage in multilingual Switzerland, in the 1990s.<ref name="R-ch10"/>
*'''Basis for long-term economic development'''. Good health allows children to concentrate on learning and adults on working. Affordable healthcare helps people escape poverty.<ref name="WHO"/> Adam Smith himself noted the importance of education and health to labor productivity.<ref name="Sen">Amartya Sen. [http://harvardpublichealthreview.org/universal-health-care-the-affordable-dream/ Universal Health Care: The Affordable Dream]. ''Harvard Public Health Review''. Vol 5 – Global Health. May 2015. </ref>
*In a single-payer system, there is no direct health insurance costs for [[business]]es or individuals. This lowers [[inflation]] and increases employment by reducing the financial burden on businesses to provide workers' healthcare benefits and its associated costs. In short, it is good for business.<ref>[http://www.youtube.com/watch?v=R7LF5Vj2n64 Bigger Pizzas: A Capitalist Case for Health Care Reform]</ref>

==Disadvantages==
{{cquote|One of the great mistakes is to judge policies and programs by their intentions rather than their results.|||Milton Friedman.<ref name="UChicago"/>}}
*Possibly '''higher taxes'''. This is the case in the single-payer U.K.,<ref name="R-ch7"/> but not in multi-payer [[Universal healthcare#Germany|Germany]].<ref name="R-ch5"/> In single-payer Taiwan, national health insurance premiums are not considered taxes.<ref name="R-ch10"/>
*Many nations with universal healthcare have seen '''shortages in healthcare availability''' for certain medical services,<ref name="H-health-blog"/> resulting in long wait times, such as in {{wpl|Health care in Canada#Wait times|Canada|,}}<ref>https://www.ctvnews.ca/health/health-care-wait-times-hit-20-weeks-in-2016-report-1.3171718</ref> Sweden,<ref>https://www.thelocal.se/20150127/swedens-health-care-is-a-shame-to-the-country</ref> and the [[Universal_health_care#United_Kingdom.2C_the|UK]].<ref>[http://news.bbc.co.uk/1/hi/health/7271772.stm Average NHS wait up under Labour], BBC</ref><ref>https://www.theguardian.com/society/2017/jan/13/193000-nhs-patients-a-month-waiting-beyond-target-for-surgery</ref> However, this is not the case in Germany<ref name="R-ch5"/> or [[Universal healthcare#Japan|Japan]].<ref name="R-ch6"/>
*Some countries with universal healthcare do '''not have enough medical professionals'''. Canada reports a shortage of doctors and nurses in general<ref name="R-ch8"/> while France and Taiwan do not have enough pediatricians.<ref name="R-ch4"/><ref name="R-ch10"/>
*Countries that want it must face the '''high upfront costs of transitioning to universal healthcare'''.<ref name="H-health-blog"/> It was noted above that most countries with universal healthcare have rich and developed economies. One of the reasons why Taiwan successfully implemented universal healthcare in the 1990s is her newfound economic prosperity.<ref name="R-ch10"/> However, the economist Amartya Sen has argued that universal healthcare is a dream affordable to even the poorest of countries because of the following reasons. First, low wages mean low prices. Second, many preventable deaths can still be avoided even with a limited system. Third, as noted above, covering a community helps distributes the risks and is therefore more cost-effective. Finally, outbreaks of infectious diseases can be contained with the help of a public health system.<ref name="Sen"/>
[[File:Health_care_cost_rise.svg|thumb|350px|Healthcare spending as a percentage of [[GDP]] over the years for select countries. Data taken from the OECD.]]
*Universal healthcare is '''a constant struggle to balance costs, access, and quality'''.<ref name="H-health-blog"/> For example, patients in France enjoy excellent care and short wait times, but French insurance funds are all running deficits.<ref name="R-ch4"/> France has the greatest healthcare system in the world, according to a 2000 WHO report.<ref name="WHO-2000"/> The costs of maintaining universal healthcare, or financial limitations in its implementation, have a tendency to increase over time. (See figure.) The link between improved medical possibilities and rising healthcare costs also leads some to believe that universal healthcare has become&mdash;or will become&mdash;unsustainable. Arguably, it may also lead to increasing [[ethical]] and financial dilemmas of the "when do we pull the plug?" kind.
*Easy access to healthcare drives '''supply-induced demand''', creating a '''moral hazard''' common to all health insurance schemes and healthcare systems around the world and could lead to a '''tragedy of the commons''', a scenario in which rational individual choices jeopardizes the group. In particular, individuals tend to maximize the amount and quality of healthcare they receive but are disinclined to pay more.<ref name="Brookings"/> On top of that, they behave in risky ways knowing that if something were to happen to them, they would be covered by insurance.<ref name="50-Arrow"/> Governments must encourage individuals to refrain from misusing, abusing, and overusing the system as a matter of personal responsibility.<ref name="Brookings"/> Making people pay more for health insurance also helps alleviate the problem.<ref name="50-Arrow"/>
*'''Medical innovations and their adoptions could be stifled''' due to a lack of financial incentive and low healthcare spending.<ref name="Brookings/><ref name="innovation">[https://www.economist.com/free-exchange/2007/04/16/in-the-name-of-innovation In the name of innovation: Can the government be as innovative as the private sector?] ''The Economist''. Free Exchange. April 16, 2007. </ref> This is not to say that the government cannot innovate or that it innovates less effectively than the private sector does. Rather, the argument here is that because the government uses its monosopnic power<ref group="note">A monosopny is a market structure in which there is only one buyer but many sellers. The buyer in this case effectively controls the market.</ref> to constrain costs by, among other things, selecting which drugs and treatments it will pay for, it adds risks to an already risky market. It becomes less certain whether or not a potential new drug is worth investing in because it may not be paid for. There is no guarantee that quality in basic research will translate to successful commercial applications. Furthermore, which area of medical research the government prioritizes may well depend on how loud the relevant advocacy group is. In a free market, on the other hand, companies will respond to how large the demand for a certain drug or treatment is, i.e., how many people suffer from a condition and how desperate they are, which translates to how much they are willing to pay.<ref name="innovation"/>
<!-- ===Budget concerns===
[[File:Health_care_cost_rise.svg|thumb|350px|Healthcare spending as a percentage of [[GDP]] over the years for select countries. Data taken from the OECD.]]

The costs of maintaining universal healthcare, or financial limitations in its implementation, have a tendency to increase over time. (See figure.)

For example, the United Kingdom's National Health Service (NHS) was founded way back in the 1940s. There have been huge advances in pretty much every branch of medical treatment during the decades that followed, including, for example, the development of effective [[cancer]] treatments, intensive care and life support technology, and vastly improved pharmacology. With these improvements in medicine comes the ability to treat more conditions and keep people alive for longer, and with universal healthcare comes the obligation to do so. Many of these treatments are highly expensive, and are becoming increasingly dependent ton the private sector, namely the [[Big Pharma|pharmaceutical industry]], resulting in NHS money being routed back into the private sector. This is also compounded by increasing populations to serve and a boom in the elderly.

Hence the national cost of universal healthcare has been increasing. This, along with measures taken in response to the rising costs, has resulted in restrictive budgeting and performance pressure at every level of the NHS, an unnecessarily competitive culture (including hospital league tables), marginalisation of some services, and moderate waiting lists for some forms of elective surgery and other treatments. Regardless of the positive advances which have caused them, these negative effects have been a major target for criticism, with some regarding them as a sign that the quality of service offered by the NHS has declined.

This link between improved medical possibilities and rising healthcare costs also leads some to believe that universal healthcare has become&mdash;or will become&mdash;unsustainable. Arguably, it may also lead to increasing [[ethical]] and financial dilemmas of the "when do we pull the plug?" kind. -->

==Overview of the status quo==
===WHO's 2000 Report===
On June 21, 2000, the World Health Organization issued a report analyzing the healthcare systems of 191 countries,<ref group="note">Among the entities not counted are the Republic of China (Taiwan) and the Special Administrative Region of Hong Kong, despite having different healthcare systems from mainland China. </ref> the first of its kind. WHO's assessment was based on five factors: overall population health, health disparities, overall responsiveness of healthcare systems, distribution of responsiveness within a country, and the distribution of financial burden for medical expenses. It found great variations, even among countries with comparable levels of income.<ref name="WHO-2000">[https://www.who.int/whr/2000/media_centre/press_release/en/ World Health Organization Assesses the World's Health Systems]. June 21, 2000. </ref>

The United States spent a substantial percentage of GDP on medical care and had one of the most responsive systems ever but ranked only 37<sup>th</sup> while the United Kingdom spent much less, 6% GDP, but ranked 18<sup>th</sup>. Only two Asian countries, Japan and [[Singapore]], were in the top ten. In Europe, France, [[Italy]], and Spain had the best performing healthcare systems. France in fact had the greatest healthcare system in the world. Most families in India paid some 80% of medical costs out-of-pocket. Columbia had the fairest system of them all. Meanwhile, the most unfair systems are to be found in [[Brazil]], [[Cambodia]], (mainland) [[China]], [[Myanmar]], [[Nepal]], Peru, [[Russia]], Sierra Leone and Vietnam.<ref name="WHO-2000"/>

In spite of its thoroughness, the methodology of this report was hotly contested.<ref name="B-ch1"/> Each country is unique, and that makes cross-border comparisons challenging. Studies like this, albeit for small groups of nations, are done all the time, but results are not always heeded. This was a public-relations attempt that tapped into national pride in order to encourage reforms on a global scale, since, after all, the World Health Organization is a well-known international body. Naturally, the report received cheers from countries that ranked high and criticisms from those that ranked low.<ref name="R-Appendix">Reid, T. R. ''The Healing of America : A Global Quest for Better, Cheaper, and Fairer Health Care''. "Appendix: The Best Healthcare System in the World". Penguin Press, 2009. ISBN 978-2-59420-234-6. </ref>

===Recent developments===
At present, about half of humanity lacks access to basic healthcare and some 800 million people spend at least 10% of their income on medical bills.<ref name="WHO"/> However, several countries in Asia and Africa{{---}}Ghana, [[Kenya]], Mali, Nigeria, Rwanda, [[India]], [[Indonesia]], the [[Philippines]] and [[Vietnam]]{{---}}are making progress towards universal health coverage, with increasing percentages of their populations enrolled in health insurance programs.<ref name="VOA">[https://www.voanews.com/a/developing-countries-strive-to-provide-universal-health-care/1512058.html Developing Countries Strive to Provide Universal Health Care]. VOA News. September 20, 2012.</ref> In particular, Rwanda, ravaged by genocide in 1994, has seen its life expectancy doubled since the mid-1990s.<ref name="Sen"/> By 2018, more than 90% of Rwandans have health insurance. Rwanda's system is a model for other African countries.<ref>[https://www.voanews.com/a/kagame-touts-rwanda-successes-in-universal-health-care/4403380.html Kagame Touts Rwanda's Health Care Successes]. VOA News. May 21, 2018. February 2, 2019. </ref>

All members of the [[United Nations]] have agreed to reach full coverage by 2030, as part of the Sustainable Development Goals.<ref name="WHO"/>

====Medical tourism====
Medical tourism is traveling to another country (or jurisdiction) in order to receive medical attention. People become medical tourists in order to take advantage of lower costs, availability of treatments not accessible at home, higher quality, or shorter waiting lists.<ref>[https://www.britannica.com/science/medical-tourism Medical Tourism]. Encyclopedia Britannica. Updated May 6, 2016. Accessed April 1, 2019. </ref> Risks of medical tourism include language barriers, the lack of quality assurance across international borders, the spread of antibiotic-resistant bacteria, and blood clotting after surgery during flight.<ref>[https://www.cdc.gov/features/medicaltourism/index.html Medical Tourism]. Center for Disease Control and Prevention (CDC). U.S. Department of Health and Human Services. Updated December 5, 2016. Accessed April 1, 2019</ref>

In recent years, medical tourism has seen significant growth worldwide, even from countries with universal healthcare such as the United Kingdom. Most of the growth, however, comes from developing countries, such as China, India, and Indonesia, where hundreds of millions of people are entering the middle class, and are willing and able to afford beyond what their countries can offer.<ref name="BBC-medical-tourism">[https://www.bbc.com/news/business-47704954?fbclid=IwAR0SmhDWzwmiRZsp3f_3rXy9b7LClpZAKoTpHYj1fxi9vt8ECfZwohuT_44 'I had my misgivings about going abroad for surgery']. BBC News. March 28, 2019. Accessed March 28, 2019. </ref> According to Patients Beyond Borders, the most popular destinations for medical tourists are Costa Rica, India, Israel, Malaysia, Mexico, Singapore, South Korea, Taiwan, Thailand, Turkey, and the United States. People travel to other countries for cosmetic surgeries, [[dental]], orthopedic, [[cancer]], and cardiovascular treatments. The market size is between $65 billion to $87.5 billion, with 20 to 24 million medical tourists.<ref>[https://patientsbeyondborders.com/medical-tourism-statistics-facts Medical Tourism Statistics & Facts]. Patients Beyond Borders. Updated January 25, 2019. Accessed April 1, 2019. </ref>

Attitudes towards medical tourism vary widely from country to country. In Canada, where healthcare is considered a national treasure, it is politically contentious, although it could be seen as a source of growth for Canada's economy. Some politicians consider it unacceptable that foreigners with deep pockets are able to gain immediate access to medical care while citizens are put on a waiting list. However, more people travel from Canada as medical tourists than to Canada. In fact, according to the Conference Board of Canada, in 2013, Canadians spent $447 million on healthcare abroad when foreigners spent only $150 million in Canada.<ref>[https://www.theglobeandmail.com/report-on-business/how-medical-tourism-a-hot-button-issue-could-help-canadas-economy/article37387959/ How medical tourism – a hot-button issue – could help Canada’s economy]. The Global and Mail. Updated January 3, 2018. Accessed April 1, 2019.</ref> On the other hand, India wants to boost its image as an attractive destination for medical tourists. India is perceived to have high-quality medical staff and facilities, with many doctors receiving their training abroad. Foreign patients come to India not just from neighboring and developing countries, such as Bangladesh, but also from developed nations, such as the United Kingdom. India was the third most popular destination for medical tourists in 2015, when she welcomed some 237,000 medical tourists, a number that rose to almost half a million two years later.<ref>[https://www.cnn.com/2019/02/13/health/india-medical-tourism-industry-intl/index.html India wants to make medical tourism a $9 billion industry by 2020]. CNN. February 15, 2019. Accessed April 1, 2019. </ref>

==Select healthcare systems==
{{cquote| The world is a book and he who does not travel reads only one page.||| St. Augustine<ref>Britnell, Mark. ''In Search of the Perfect Health System''. Palgrave, 2015. Preface. ISBN 978-1-137-49661-4. </ref>}}
<!--Please add countries alphabetically and describe systems-->
<!--IMPORTANT: Before you add a country, please check if it is already included but commented out because its section is too short. -->
===Australia===
Australia's healthcare system includes both a public and private sector. The public sector is called Medicare. Established in 1984, it was intended to be "the most equitable and efficient means of providing health insurance coverage for all Australians". Medicare is a funding system rather than a service provider. It has three components. First, the Medicare Benefits Schedule subsidizes non-hospital care. Second, the Pharmaceutical Benefits Scheme subsidizes drug costs. And third, access to hospital care is free for those who choose to be public patients. Medicare is funded by general taxation, including a 2 percent income tax. Both the state and federal governments are responsible for financing Medicare. In recent years, various Australian governments have encouraged citizens to purchase private health insurance coverage in order to cut Medicare costs. More than half of Australians now have private insurance. Although Medicare costs continue to rise, the government is responsible for 67% of healthcare spending, well below the OECD average of 72%. In 2014, as part of a plan to reduce public debt, Australia's federal government proposed cuts to Medicare and a A$7 co-payment for consultations with general practitioners. The government noted that over the previous eleven years, health spending increased at a rate faster than those of all other government expenditures combined. However, both were defeated by public backlash. Australia currently spends about 9.4% of its GDP on healthcare, close to the OECD average.<ref name="B-ch9">Britnell, Mark. ''In Search of the Perfect Health System''. Palgrave, 2015. "Chapter 9: Australia – Advance Australia Fair". ISBN 978-1-137-49661-4. </ref>

Australia's health service provider sector is also mixed. Private hospitals, half of which are non-profit, now own one in three hospital beds and are responsible for two-thirds of elective care. Queues are not too long and choices are decent. However, integration between emergency, community, and primary care remains weak.<ref name="B-ch9"/>

One remarkable feature of Australia's healthcare system is how it approaches mental health. Instead of institutionalization, it focuses on home treatment, early intervention and outreach. Police officers are trained on how to handle mentally ill people.<ref name="B-ch9"/>

Australia's healthcare outcomes are admirable. Life expectancy is comparatively high, at 82.2 years. Smoking rates dropped from 34 percent in 1983 down to 16 percent in 2015, one of the lowest in the world. Deaths due to circulatory diseases have been substantially reduced. Furthermore, the Land Down Under is an attractive place to live, not just for ordinary people but also medical practitioners. Within the last decade or so, hundreds of doctors have moved to Australia from Europe, citing the country's less burdensome bureaucracy, ease of finding a job, and more appealing working hours. However, Australia also has the fifth highest obesity rate in the OECD. Chronic diseases are now responsible for 90 percent of all deaths.<ref name="B-ch9"/>

===Canada===
<!-- Under the Canadian Constitution, healthcare is a provincial responsibility. As a result, each province and territory has its own separate healthcare system (if you require treatment in another province/territory you may be billed for treatment, depending on the province and service required<ref>https://blog.ingleinternational.com/travelling-within-canada-your-out-of-province-health-coverage/</ref>), and the federal government enforces certain standards of care in each system. Healthcare in [[Canada]] is generally funded by a combination of provincial sales tax and income tax, as well as federal transfer payments (a great source of contention in federal/provincial and interprovincial relations). Some provinces also have a specific healthcare levy, while in the Western provinces they've had good results in using [[gambling|casino]] (or [[oil]]) revenues.

There has recently been a bit of controversy about the introduction of more privatization; supporters claim that it will improve access; detractors claim it will create a two-tiered system that gives better service to the wealthy. This has been due to one highly controversial Supreme Court decision (''Chaoulli v. Quebec'') and suggestions from [[think tank]]s that should really know better.<ref>ie. the usually-sane CD Howe institute, which [http://www.cdhowe.org/universal-health-care-problematic-national-post-op-ed/8923 believes that "no country has adopted the Canadian model."] (This assumes that [[Taiwan]] and [[South Korea]] don't exist.)</ref> A good 30% of insurance is already paid through the private sector.<ref>[https://www.youtube.com/watch?v=1TPr3h-UDA0 Canada's Healthcare System Explained], Healthcare Triage</ref>

Despite being loved massively by the Canadian public and a source of national pride,<ref>https://www.ctvnews.ca/canada/poll-canadians-are-most-proud-of-universal-medicare-1.1052929</ref> the Canadian healthcare system routinely ranks among the worst of any developed nation, being ranked dead last in a survey of experts by the ''[[New York Times]]''<ref>https://www.nytimes.com/interactive/2017/09/18/upshot/best-health-care-system-country-bracket.html</ref> and third last by the OECD.<ref>https://www.ctvnews.ca/health/canada-ranked-last-among-oecd-countries-in-health-care-wait-times-1.1647061</ref> At present, wait times can be long, sometimes frustratingly so.<ref>[http://www.cbc.ca/news/canada/montreal/wait-times-er-childrens-hospital-1.4529225 10-hour Wait at Montreal Children's for Head Injury Leaves Laval Mom Furious] CBC. February 10, 2018.</ref> Meanwhile, some medical facilities have been closed due to mass resignations.<ref>[http://www.cbc.ca/news/canada/montreal/montreal-public-detox-centre-forced-to-close-third-of-beds-after-losing-half-its-nurses-1.4531603 Montreal Public Detox Center Forced to Close Third of Beds After Losing Half of Its Nurses]. CBC. February 12, 2018.</ref> Overcrowding can happen and, in extreme cases, lead to death.<ref>[http://www.cbc.ca/news/canada/new-brunswick/blayke-hay-mcallister-miramichi-baby-rsv-1.4554305 5-week-old girl dies at home in mother's arms while hospital over capacity]. CBC News. March 6, 2018. </ref> It is evident, therefore, that the Canadian healthcare system is understaffed and underfunded.

In addition, the system is one of the costliest of any developed nation as well. About 50% of government spending goes towards the nation's healthcare program, and it is projected to reach 80% by 2030,<ref>https://www.td.com/document/PDF/economics/special/td-economics-special-db0510-health-care.pdf</ref> an unsustainable number. -->
{{cquote|Canadians don't mind the waiting list so much, so long as the rich Canadian and the poor Canadian have to wait about the same amount of time.|||Uwe Reinhardt.<ref name="R-ch8"/>}}
[[File:TommyDouglas-c1971-crop.jpg|thumb|165px|Thomas Clement Douglas in 1971]]

Thomas Clement Douglas was a Scottish immigrant who banged his knee as a child. This painful injury left him limping or on crutches, or so he would remain if it were not for a professor of orthopedics who selected him to be the subject of a surgical demonstration. The surgery proved successful, yet Tommy's luck bothered him. He believed that people should be able to receive the healthcare they need regardless of their ability to pay. He made his dream a reality when he became Premier of Saskatchewan. He introduced a government-run single-payer healthcare system for all of the residents of that province, which entered service on January 1, 1947. So successful was the program that people in the other provinces demanded the same thing. Eventually, the federal government adopted the idea, and in 1964, all Canadians were covered by a single-payer universal health insurance program funded by general taxation, which each province or territory running his own Medicare system. Thus, given Canada's decentralized system of government, it is technically accurate to call Canada's healthcare system a thirteen-payer system.<ref name="R-ch8">Reid, T. R. ''The Healing of America: a Global Quest for Better, Cheaper, and Fairer Health Care''. "Chapter 8: Canada – 'Sorry to Keep You Waiting'". Penguin Books, 2010. ISBN 978-1-59420-234-6.</ref>

Today, single-payer universal health coverage is consistently the most popular social program in Canada. It covers all medical and psychiatric care, both in and out of hospital, and is a major source of national pride. Canada has made all medical records digital, thus cutting administrative costs.<ref name="R-ch8"/> A 2012 national poll (of 2,207 people) commissioned by the Association for Canadian Studies based on Montreal found that 94% of Canadians think universal healthcare is an important source of collective pride.<ref>[https://www.ctvnews.ca/canada/poll-canadians-are-most-proud-of-universal-medicare-1.1052929 Poll: Canadians are most proud of universal medicare]. CTV News. November 25, 2012. </ref><ref group="note">By contrast, the Monarchy received a chilly 39% and bilingualism 36%.</ref> Under the Canadian Constitution, it is a provincial and territorial responsibility. As a result, each province and territory has its own separate healthcare system. Furthermore, coverage varies across the ten provinces and three territories. Some pay 100% of all doctor and hospital bills; others require co-pays and deductibles. Most require people to pay for their own prescription drugs; the poor, the elderly, and the chronically ill who need constant medication are exempt. In any case, Canada's efficient payment system and universal coverage offers a great advantage in price negotiations. The Canada Health Act of 1984 laid out the rules that the provinces and territories must follow in order to receive federal funding for their Medicare programs. However, since none can go without federal funding, the Act is effectively mandatory.<ref name="R-ch8"/> The keys points are as follows.
#Each provincial or territorial Medicare program must be a non-profit public entity.<ref name="R-ch8"/>
#Each healthcare plan must pay for all "medically necessary" products and services. Quite naturally, the definition of "medically necessary" changes over time.<ref name="R-ch8"/>
#All residents of the province or territory must have the same access to medical services.<ref name="R-ch8"/>
#The plan for one province or territory must pay for a resident patient anywhere in the country.<ref name="R-ch8"/>
#Fee discrimination is forbidden.<ref name="R-ch8"/>

Furthermore, in order to prevent a two-tier system from emerging, it is forbidden for insurance plans to reimburse anything covered by Medicare, and for Medicare hospitals and doctors that practice privately to bill patients directly. As a result, very few Canadian doctors work outside of the Medicare system. However, about two out of three working Canadians have private insurance for things not covered by Medicare, such as dental care, private hospital rooms, and more. Since Medicare covers all major medical services, (supplemental) private insurance plans are quite cheap, so much so that many employers offer it as a job benefit.<ref name="R-ch8"/> It is important to note, however, that patients who require treatment in another province or territory may be billed for treatment. In particular, since Quebec did not sign on to the inter-provincial billing agreement, out-of-province patients in Quebec and Quebec patients in the other provinces and territories may be asked to pay upfront. They will be reimbursed when they return home.<ref>[https://blog.ingleinternational.com/travelling-within-canada-your-out-of-province-health-coverage/ Travelling within Canada: Your Out-of-Province Health Coverage] Ingle International. Accessed December 8, 2018. </ref>

Canada's National Health Insurance model was more than just a national or federal success. The Asian tigers Taiwan and South Korea implemented modified versions of it as well. When the United States Congress passed a law guaranteeing healthcare to all Americans aged 65 or over in 1965, they did not just adopt the Douglas model, but also the name he gave it, Medicare.<ref name="R-ch8"/>

However, the Canadians do not have everything going their way. Canada's current spending levels cannot keep up with the rising cost of healthcare. Nor is there an ample supply of doctors and nurses, as few Canadian students today consider such professions to be desirable. Worse, an official commission in 1991 recommended the reduction of the number of medical and nursing schools. As a consequence, the ratios of doctors to patients have dropped across Canada, especially in rural areas. With insufficient numbers of homegrown doctors, Canada is forced to import from developing countries. Both federal and provincial governments have been either unable or unwilling to provide additional funding for Medicare. But perhaps the most serious problem facing Canadian healthcare today is the infamous queue. If a medical problem was deemed non-urgent, the patient would have to wait. Wait times depend on the province or territory and on the treatment. Orthopedic surgery is one of the most notorious. (This is perhaps ironic, given the story of Tommy Douglas.) People have to wait for up to a year just to get a consultation, and if the orthopedist decides surgery is suitable, the patient will have to wait for several months.<ref name="R-ch8"/> In 2013, Canadians on average have to wait for four and a half months for treatment after being referred by a general practitioner, double what it was two decades ago.<ref name="B-ch23">Britnell, Mark. ''In Search of the Perfect Health System''. Palgrave, 2015. "Chapter 23: Canada – At the Crossroads". ISBN 978-1-137-49661-4. </ref>

Such long wait times in an otherwise functional and egalitarian system have given rise to the argument that the ban on private payment is tantamount a ban on the procedure altogether, since access to a waiting list is not the same thing as access to treatment. There are treatments that people are willing and able to pay for, if they were allowed to, but are difficult to obtain under Medicare. This argument came into prominence in the Canadian Supreme Court case ''Chaoulli v. Quebec''. An elderly Quebecker was suffering from a painful condition that, according to Dr. Jacques Chaoulli, necessitated a hip-replacing surgery. But Dr. Chaoulli could give his patient nothing more than a spot on the queue. He decided to go to court on behalf of his patient after nine months and used the aforementioned argument. The Supreme Court agreed and wrote, "The prohibition on obtaining private health insurance, while it might be constitutional in circumstances where health care services are reasonable as to both quality and timeliness, is not constitutional where the public system fails to deliver reasonable services." This astonishing decision led some to predict that a two-tier system was coming to Canada. But that has not happened, at least not yet. Rather, governments have worked to bring in more doctors and to spend more money in order to reduce the waiting lists. Nonetheless, a shortage of doctors and long wait times remain basic features of the Canadian healthcare system.<ref name="R-ch8"/>

In 2004, the federal government unveiled an initiative to increase federal transfers for healthcare by six percent each year for the next ten years in exchange for improvements in service. While some progress has been made, wait times remain high. There has been no effective strategy for prescription drugs, and many structural issues persist.<ref name="B-ch23"/>

Today, Canada spends about 10.9 percent of her GDP on healthcare, above the OECD average. Although smoking rates have fallen dramatically in the last twenty years or so, heart disease and cancer remain the leading causes of death in Canada. Lung cancer rates relative to other OECD countries remain high, especially among women. In recent years, there has been a raging debate on whether a national healthcare strategy for Canada is the way forward. However, the consensus seems to be favoring the status quo, leaving healthcare to the provinces and territories.<ref name="B-ch23"/>

====Indigenous tribes====
The federal government provides First Nations communities with benefits such as prescription drugs, dental care, and eye care. More recently, it has implemented the Aborginal Diabetes Initiative, the National Aboriginal Youth Suicide Prevention Strategy, and the Maternal Child Health Program. Despite all this, indigenous peoples are among the least healthy in Canada, with above-average rates of chronic diseases, communicable diseases, injuries, and suicides.<ref name="B-ch23"/>

====Province of Ontario====
Ontario, Canada's most populous province, faces severe fiscal constraints with a budget deficit of CAN$6.6 billion as of 2024.<ref>https://economics.td.com/ca-fall-econ-update</ref> Healthcare is the single biggest budget item, responsible for 42 percent of provincial government spending. Hospitals are congested and costs are high. In order to address these problems, the provincial government commissioned a review from economist Don Drummond but forbade him from recommending higher taxes or further privatization. Drummond did as he was told.<ref name="B-ch23"/>

In his report, he observed that while the existing system is unsustainable, the healthcare debate in Ontario suffers from the widespread inability to confront the complex issues and trade-offs. Politicians, the media, and the public have made themselves victims of fear-mongering and are too closed-minded to accept change, even though change is precisely what is needed. Money alone will not solve the problems. He noted that the current system is too disjointed and inefficient, and recommended greater coordination, greater focus on patients rather than hospitals, and an emphasis on prevention and health promotion rather than treatment. His report is arguably applicable across the developed world. Unfortunately, despite the comprehensiveness and insight of the Drummond report, healthcare reform in the Province of Ontario has thus far been rather sluggish.<ref name="B-ch23"/>

===China===
====Communist China====
Since the dismantling of much of the [[Communism|Communist]] healthcare system under economic reforms, access to healthcare in [[China]] has deteriorated substantially. Citizens found they needed to save substantial sums to cover potential medical bills, depressing consumer spending, with patients in impoverished rural areas often refusing medical treatment for fear of costs.{{cn}}

The Chinese government, apparently not realizing what a success story its healthcare system was, has since reformed the healthcare system with public insurance programs. Now, almost the entire population is covered by insurance, though it only covers about half of healthcare costs in most instances, though it is working on making healthcare affordable to everyone by 2020.{{cn}}

====Hong Kong====
The Special Administrative Region of [[Hong Kong]] maintains a British-style healthcare program and refused to give it up when taken over by mainland China in 1997.<ref name="PBS"/> The Hong Kong Hospital Authority is solely responsible for the delivery and financing of healthcare.<ref name="Cheng">Tsung-Mei Cheng. [http://harvardpublichealthreview.org/universal-health-coverage-an-overview-and-lessons-from-asia/ Universal Health Coverage: an Overview and Lessons from Asia]. ''Harvard Public Health Review''. Vol 4 – Global Health. May 2015.</ref>

====Taiwan====
{{cquote|To find your way in the fog, follow the tracks of the oxcart ahead of you.|||Chinese proverb<ref name="R-ch10"/>}}
{{cquote|In the end, the program that they finally set up in 1995 really is like a car that was made of different parts, imported from overseas, but manufactured domestically.|||Tsung-Mei Cheng<ref name="NPR-Taiwan">[https://www.npr.org/templates/story/story.php?storyId=89651916 Taiwan Takes Fast Track to Universal Health Care]. NPR. April 15, 2008. </ref>}}
[[File:ROC_National_Health_Insurance_Emblem.svg|thumb|Emblem of the National Health Insurance, Ministry of Health and Welfare, Republic of China]]

[[Taiwan]] emerged in the late twentieth century as one of the twenty-five richest countries in the world, thanks to a period of rapid industrialization and modernization of under two decades. By the 1990s, she has become a leading producer of electronic devices and components. As a result of this process, Taiwan also became a [[democracy]]. Thanks to this new political environment, the incumbent Nationalists had to confront the Democratic Progressives, who were making the case for universal health coverage. A commission for healthcare reform was established and diligently studied the healthcare systems of other advanced countries. The Beveridge model was quickly rejected because, unlike the United Kingdom, Taiwan had mostly private hospitals and health insurance plans already in place for civil servants. A system that relied on private insurance to pay the bills was preferred. That meant the Bismarck model, as was already implemented in Germany and Japan, for example. However, the Bismarck model relies on too many insurance funds. Taiwan preferred a single government-run insurance plan. This is of course the national health insurance model from Canada. But the Taiwanese system has a major difference from its Canadian counterpart. While Canada's Medicare is paid for by general taxation, Taiwan's National Health Insurance (NHI) is funded by a monthly premium deducted from people's paychecks. Taiwan does not consider this mandatory premium to be a tax. Those who cannot afford to pay the premium are offered interest-free loans.<ref name="R-ch10">Reid, T. R. ''The Healing of America: a Global Quest for Better, Cheaper, and Fairer Health Care''. "Chapter 10: Too Big to Change?" Penguin Books, 2010. ISBN 978-1-59420-234-6.</ref> Taiwan's system is thus a hybrid of the German and Canadian models.<ref name="Brookings"/>

From France, Taiwan picked up the idea of storing medical records digitally on an electronic card.<ref name="R-ch10"/> All of the patient's history of treatments, medication, and doctor visits is stored in his smart card, and the information can be accessed by a specialized card reader. Billing information goes straight to the government's health insurance office and is paid automatically. If someone visits the doctor for an unusually high number of times over a short period, they get a visit from the Bureau of National Health Insurance.<ref name="NPR-Taiwan"/> This helps make Taiwan's system one of the most efficient in the world, with only about 2% of funding going to administrative costs in most years, as efficient as the U.S. Medicare system. As is the case in France and Japan, Taiwan's Bureau of National Health Insurance has the sole power to negotiate prices for medical services and medication. This helps keep prices low. Furthermore, this government agency does respond to public demands and today, Taiwan's National Health Insurance covers physical health, mental health, dental care, vision care, prescription drugs, in-hospital care, out-of-hospital care, organ transplants, [[acupuncture]], long-term care, and [[traditional Chinese medicine]].<ref name="R-ch10"/><ref name="NPR-Taiwan"/> There are no gatekeepers; Taiwanese patients can visit specialists at will, and wait times are practically nonexistent.<ref name="NPR-Taiwan"/>

[[File:ROC-NHI_IC_card_20171005_face.jpg|thumb|A National Health Insurance IC card.]]
Shortly after Taiwan's universal healthcare system entered service in March 1, 1995, some eleven million people who previously had no health insurance suddenly had access to medical care. Demand for doctors and hospitals skyrocketed and the market responded by a flood of new supply. In fact, hospitals and clinics compete vigorously for patients; those in the large cities stay open for twelve hours a day, seven days a week. Doctors in Taiwan must work long hours in order to make up for the low fees. In the end, though, low spending has posed a threat to universal healthcare in Taiwan, as many clinics and hospitals are running the risk of bankruptcy. In order to keep the system afloat, the Bureau of National Health Insurance must provide more funding, one way or the other. From 2002 to 2013 it opted to borrow money from banks, because politicians shrank away from making their constituents pay co-pays or higher premiums.<ref name="R-ch10"/> Except for the first three years of operation, Taiwan's system sustained deficits as expenditures increased at a faster rate than revenue growth. A major healthcare reform, Generation 2 National Health Insurance (G2-NHI), unveiled in 2013, was intended to address this issue by introducing supplemental insurance premiums levied on bonuses, rent, interest, dividends, professional fees, and pay from second jobs. This reform has not only covered current expenditures but also eliminated past deficits. Taiwan's system is now in sound financial shape.<ref name="Brookings">Tsung-Mei Cheng. [https://www.brookings.edu/opinions/taiwans-health-care-system-the-next-20-years/ Taiwan’s health care system: The next 20 years]. Brookings Institution. Op-ed. May 14, 2015. </ref>

Health policy analyst Tsung-Mei Cheng, who helped bring universal healthcare to Taiwan, explained that Taiwan's successful healthcare reform is due to the following reasons. Universal healthcare was supported by a majority of voters and a major political party decided to take advantage of this to counter a rising opposition party that had openly embraced the concept. Sustained economic growth and prosperity meant the reform was financially realistic. Cheng said the lesson for other countries is that they should exploit these windows of opportunity, which come only so often.<ref name="R-ch10"/>

Some 85% of Taiwanese are satisfied with their healthcare system and their life expectancy is about 80 years, on par with countries in the Organization for Economic Cooperation and Development (OECD).<ref name="VOA-WHO"/> In 2013, Taiwan spent less than 7% of its GDP on healthcare, below the OECD average of 9.2% in 2012.<ref name="Brookings"/> Unfortunately, Taiwan's ability to share its success story with the world is restricted by the One China policy. For example, representatives from Taiwan are not invited to attend WHO conferences.<ref name="VOA-WHO"/>
<!-- ===Costa Rica===
Costa Rica has an improving comprehensive system.<ref>[http://www.cehat.org/rthc/paper5.htm Costa Rican Health Care: A Maturing Comprehensive System], Global Health Council</ref> -->

===Cuba===
Whether the system itself is really as good as claimed or not, Cuba is a major exporter of highly trained medical talent, with Cuban doctors involved in humanitarian efforts around the world.<ref>{{wpa|Cuban medical internationalism}}</ref>

Cuba's healthcare system is an extreme form of the Beveridge model, with absolute government control.<ref name="PBS"/>

===France===
[[File:CarteVitale2.jpg|thumb|A sample ''carte vitale'']]

France's national healthcare system started out as an insurance fund covering low-wage workers employed in certain industries in 1928. It then gradually expanded to cover the entire population, thanks to French egalitarianism. Starting in 1998, all French citizens aged 15 or over have their own ''carte vitale'', literally "vital card", which digitally stores their medical records. Doctor consultations, diagnoses, prescriptions, treatments, warnings, and which insurance funds the patient is subscribed to are all included. Children have their medical records stored in their mothers' cards. Lost cards may be dropped into the nearest mailbox. About 80% of these eventually return to their respective owners. To ensure privacy, these cards are encrypted. When a doctor makes a home visit, he brings his own laptop computer and a portable card reader.<ref name="R-ch4"> Reid, T. R. "Chapter 4: France – The Vital Card". ''The Healing of America: a Global Quest for Better, Cheaper, and Fairer Health Care''. Penguin Books, 2010. ISBN 978-1-59420-234-6.</ref>

French clinics are characteristically austere, but all carefully list their prices and services for their patients to see. Most people do not have to wait long. Exceptions are those who require the attention of pediatricians, who are few in number. Most doctors are members of labor unions, which negotiate service fees on their behalf. French doctors are not exactly rich, but medical education in France is free. When a consultation is finished, the doctor updates the patients' medical record via the ''carte vitale''. Billing information is automatically transmitted to the appropriate insurance fund(s). Doctors receive their payment within a week or so, as required by law. Patients must pay consultation and treatment fees, or co-pay, upfront, but are reimbursed by their insurance at the end of each month. This is to remind them they are receiving a valuable service. However, there is a cap to how much one must pay in a single day. Exceptions include those living below the poverty line, who are subsidized. The poorest of the poor and those certified to be chronically ill pay nothing at all. Nor do women in their final five months of pregnancy and the first four months after childbirth. In these cases, doctors are paid from the government's social security funds.<ref name="R-ch4"/>

Which insurance plans one gets is a function of employment and geographic location. People often stick to their insurance plans for life. Premiums are split between the employer and employee. If a person is currently out of a job, the government pays for the employer's share of the premium. Insurance funds are non-profit entities and are tightly regulated. One does not lose insurance due to loss or change of employment. There are no deductibles. All claims must be reimbursed. Denial of coverage due to pre-existing conditions is forbidden. Although people do not have much choice in choosing their public insurance plans, they have a great deal of freedom when choosing doctors, hospitals, and even procedures. Furthermore, they may choose a private insurance plan for additional coverage.<ref name="R-ch4"/>

All these features keep costs low while ensuring quality care. However, French insurance funds are making losses and economic growth cannot keep up with the rising costs of the system. As a result, proposals for reforms emerge every once in a while and doctors go on strike every now and then. Whatever changes made to the system, they will be in accordance with the principles of solidarity and equity.<ref name="R-ch4"/>

===Germany===
{{cquote|A program of applied Christianity.|||Bismarck on his social welfare policies<ref name="R-ch5"/>}}
{{cquote|Germans receive far more care than citizens in many parts of the world, but not necessarily better care or the highest value care.|||Michael Porter<ref name="B-ch17"/>}}
[[File:Elektronische_Gesundheitskarte_2011.svg|thumb|A sample German digital health card]]

The [[German Empire]]'s Reichstag passed Bismarck's Sickness Insurance Law in 1883, thereby creating the world's first national healthcare system, one that survived in its basic form till this very day regardless of system of government and in spite of all the socioeconomic and political upheavals befell the Fatherland in the twentieth century. Insurance is mandatory and premiums are split between employers and employees. No new taxes are necessary. (Bismarck hated taxes.) People pay as a fraction of their income through payroll deductions; the more one earns, the more one pays.<ref name="R-ch5"/> As of 2015, statutory health insurance is financed by a 14.5% payroll tax.<ref name="B-ch17">Britnell, Mark. ''In Search of the Perfect Health System''. Palgrave, 2015. "Chapter 17: Germany – Doctor Knows Best". ISBN 978-1-137-49662-4.</ref>

Germany's federal and state governments relegate the operation of healthcare facilities to organizations of customers, providers, and doctor associations known collectively as "corporatist bodies". Democratically elected representatives from employers and employees take part on the government boards of the insurance funds. This is intended to make it difficult to change the rules without broad consensus. Unfortunately, it also makes the system rigid.<ref name="B-ch17"/>

Benefits cover not just regular medical care, but also dental care, vision care, [[Chiropractic|chiropractics]], physical therapy, mental health, nursing homes, health club membership fees, and, if recommended by a doctor, spa trips. Doctors and hospitals are numerous and wait times are short. All insurance funds are private entities and most operate as non-profits. Still, they compete vigorously for customers. All insurance plans must accept all applicants and must pay all claims submitted by a certified doctor or hospital. If a person becomes unemployed, the government covers the employer's share of the premium. There are hundreds of insurance funds to choose from, but the exact number changes over the years. The introduction of a digital health card in 2008 significantly reduced administrative costs. Another cost-saving feature is central database detailing which drugs and treatments are covered by which insurance fund will cover.<ref name="R-ch5"/> As of 2015, there are over 130 sickness funds and more than 2,000 hospitals in Germany. German hospitals have a dual funding schemes. States make capital investments while the sickness funds pay for the services.<ref name="B-ch17"/>

Most German citizens and foreign guest workers are covered. But the richest of German households are exempt from mandatory health insurance, as it is believed they do not need help. These can subscribe to a profit-seeking insurance plan and some private hospitals do cater to this segment of the population. This exemption has proven to be controversial. Opponents complain that it violates the principle of solidarity while supporters argue that it offers relief to the basic system, which currently operates on a shoestring budget, forcing the government and the funds to introduce cost-saving measures. For example, starting 2006, patients are required to pay a fee for each quarter of a year, but all services covered by insurance remain free after that.<ref name="R-ch5"/> But eight years later, this €10 quarterly co-pay was scrapped by the Bundestag because it failed to bring in a significant amount of revenue to the system. Administrative costs consumed much of the money. It also failed to reduce demand except by a small amount among low-income individuals.<ref name="B-ch17"/> Further reforms limited the treatments and drugs doctors can choose and how much money they can earn. In particular, a policy known as "global budgeting" means that the system stops paying for healthcare after a specific amount has been reached. If medical professionals continue to work, they will not be paid. German doctors are not high-earners, but medical school in Germany is free. Nevertheless, these cost-control measures have led to public protests by doctors and medical students.<ref name="R-ch5"/>

Germany has a low birthrate and a high life expectancy. As a result, she is projected to be second only to Japan in average age. Elderly care is thus of great concern. In January 2015, the government provided €2.5 billion in additional funding for residential and non-residential benefits. Staff-to-patient ratios in geriatric wards were reduced from 24:1 to 20:1. Besides an aging population, obesity and diabetes are major public health issues. According to the OECD, in 2010, 8.9% of Germans aged 20 or over suffered from diabetes, putting the Fatherland behind Mexico, the U.S. and Canada.<ref name="B-ch17"/>

The German healthcare system suffers from a variety of structural inefficiencies. For example, ambulatory and patient care are not integrated. However, due to bureaucracy, vested interests, and national pride, Germany's healthcare system is very slow to change. The German people are quite satisfied with the state of their healthcare system and as such are willing to maintain the status quo. Nevertheless, this will likely change as the costs continue to increase and the needs change.<ref name="B-ch17"/>
<!-- ===Israel===
Everyone living in [[Israel]] must sign up with one of four Health Maintenance Organizations (HMOs), and can switch between them once a year. The HMOs are required by law to operate as non-profit organizations and must offer the same basic package, which covers a wide range of medical procedures and medications. They can also offer their own additional health policies, but cannot deny anyone membership in one of their policies, although they can charge premiums based on age. The self-employed must pay their premiums, while employees must pay a partial premium deducted from their paychecks, with their employer covering the rest. Premiums are also deducted from pensions. -->

===Japan===
<!-- Everyone in [[Japan]] is required to get a health insurance policy, either at work or through a community-based insurer. Eighty percent of Japan's hospitals are privately owned – more than in the United States – and almost every doctor's office is a private business, though 70% of all treatment is paid by the government.<ref>[http://www.japantimes.co.jp/news/2010/05/25/news/national-health-insurance-a-basic-universal-safety-net/#.Ud4TC-24LlI National health insurance: a basic universal safety net], ''The Japan Times''</ref> "Private" in this case, however, is quite a bit different than in other countries: hospitals and clinics, by law, must be run completely by doctors and must be non-profit organizations. For-profit corporations aren't allowed to run hospitals or clinics. Also, health costs are tightly regulated by the government, and are negotiated by government officials and physicians – no insurance lawyers allowed. The tight regulation of costs is a big reason why the cost of healthcare in Japan is so low compared to almost everywhere else.<ref>http://prescriptions.blogs.nytimes.com/2009/08/25/health-care-abroad-japan/?_r=0</ref> -->
During the Meiji Era (1867–1912), Japan sent her best and brightest to Europe and the United States to learn what the [[Western world]] had to offer and bring home the best ideas they found. Some returned with the concept of a national health insurance program from Bismarck's Germany. They also invited German doctors and [[economists]] to come to Japan to teach the nation how to run such a system. As is the case with the Bismarck model in Germany, Japan's system at its core survives till this day.<ref name="R-ch6"/> Universal healthcare is considered a fundamental component of the social safety net,<ref name="JPT"/> and a national treasure.<ref name="B-ch2"/>That Japan's life expectancy, currently one of the highest in the world, has been increasing steadily since the 1950s can be attributed to a prosperous economy, public health policies that address infectious diseases, high levels of education, a healthy diet and lifestyle, and of course, universal healthcare.<ref name="B-ch2"/> Wait times are generally short or nonexistent, and patients rarely bother to book an appointment beforehand. In fact, the Japanese are some of the biggest consumers of medical services and products in the world.<ref name="R-ch6"/> An average Japanese visits their doctor 13 times per year, more than double the OECD average, and the average hospital stay is about thrice the OECD average.<ref name="B-ch2">Britnell, Mark. ''In Search of the Perfect Health System''. Palgrave, 2015. "Chapter 2: Japan – Live Long and Prosper". ISBN 978-1-137-49661-4. </ref><ref group="note">As one learns in economics class, supply induces its own demand.</ref>

However, unlike Germany, where the richest are exempt from the requirement of subscribing to an insurance fund, everybody in Japan must do so. This "individual mandate" is believed to be a part of personal responsibility. The thousands of insurance funds in Japan generally fall into three categories, depending on how much the government is involved. The most common funds are set up by large corporations and large government agencies, where premiums are split between the employers and employees. People working for small companies also split their premiums with their employers, but the government subsidizes the fees. Finally, retirees and the self-employed split the premiums with the government. The government also pays the premiums for the unemployed and those who are living in poverty. Also unlike the Germans, the Japanese lack the freedom to choose which insurance plans to opt in{{---}}their employers or local governments do that for them{{---}}but they do have the power to choose doctors and hospitals, which do compete for patients. Japanese insurers cover both [[Traditional Chinese medicine|traditional Chinese]] and modern Western medicine, including dental care and mental health. For cultural reasons, the Japanese prefer medication to surgery. Seemingly glaring omissions are [[pregnancy]] and [[childbirth]].<ref name="R-ch6">Reid, T. R. ''The Healing of America: a Global Quest for Better, Cheaper, and Fairer Health Care''. "Chapter 6: Japan – Bismarck on Rice". Penguin Books, 2010. ISBN 978-1-59420-234-6. </ref> These must be paid for out of pocket. Nor do they cover [[Birth control|contraceptive pills]].<ref name="JPT">[http://www.japantimes.co.jp/news/2010/05/25/news/national-health-insurance-a-basic-universal-safety-net/#.Ud4TC-24LlI National health insurance: a basic universal safety net], ''The Japan Times''. May 25, 2010. </ref> This is because pregnancy is considered a natural condition for healthy women. However, women receive a grant from the government whenever they become pregnant, and the money is roughly sufficient to pay for maternity care, delivery, and postnatal care.<ref name="R-ch6"/> On the other hand, Caesarean sections are covered by insurance.<ref name="JPT"/>

Japan has taken a number of steps to keep the costs of its healthcare system low. Every two years, the Ministry of Health and Welfare negotiates prices and fees directly with doctors and hospitals and subsequently publishes a "Fee Schedule" that applies everywhere in the Japanese home islands, from downtown Tokyo to a remote island off the coast of a rural prefecture. Also biennially, the Japanese Medical Association negotiates with the Ministry how much doctors and hospitals get paid by insurers. While doctors and insurance plans are mostly private, the Ministry determines what insurance will pay for, and how much. For this reason, Japan's multi-payer system operates almost like a single-payer system and Japan's healthcare market operates competitively under the iron hands of government oversight. Interestingly, tight regulation has a cascading effect on the costs of medical care. Since doctors can only earn so much, they demand cheaper but still reliable medical equipment, albeit with fewer functionalities. This incentivizes innovation from the industry. Preventive care is prioritized, and annual comprehensive physical examinations are free.<ref name="R-ch6"/>

Rigorous price controls come at a cost, though. Many Japanese hospitals and clinics are direly underfunded, as can be seen from their spartan looks. Breaking even is often a daily struggle. However, hospitals operated and maintained by large corporations are generally in good shape, and these are open to everyone, regardless of employers. But their number is small and they cluster around the large cities. Most medical innovations in Japan originate from the few hospitals operated by the nation's medical schools.<ref name="R-ch6"/>

There are a number of ways Japanese doctors can earn more money. They can charge unusually high parking fees or install vendor machines for snacks and drinks in their clinics. The normally stingy Fee Schedule pays doctors rather generously for making home visits. Patients present their doctors with gifts, ranging from some material products, such as golf balls or [[Alcohol|sake]], to cash, on a more or less voluntary basis. And there are envelopes designed specifically for this purpose. In the olden days, Japanese doctors were supposed to treat patients without ever demanding payment, in accordance with [[Confucian]] principles, and patients tended to offer gifts of gratitude. This tradition persists today, despite being officially frowned upon. One reason for this is the prestige Japanese society attributes to the medical profession.<ref name="R-ch6"/>

In all, Japan's healthcare system is exceedingly efficient, offering excellent services at low costs. Although Japan as a nation is the third largest spender on healthcare in the world, after the U.S. and China, Japanese healthcare expenditures amount to only 10.3% of GDP in 2013, close to the OECD average.<ref name="B-ch2"/> While other advanced countries, such as France and Germany, have seen their medical spending on a steady upward trajectory over the years, this is less of a problem in Japan. However, given the states of many hospitals and clinics, its long term viability is in doubt.<ref name="R-ch6"/>
<!-- ===Netherlands, the===
[[Netherlands|Dutch]] citizens may choose between private and public health care, where public health care consists of special programs provided by the same companies that offer private health care.

The maximum fees of these public programs are restricted by the government, a typical public health insurance including dental care costs around 80 euros a month. Health care for all minors (less than 18 years old) is free. -->
<!-- ===New Zealand===
[[New Zealand]]'s Accident Compensation Corporation is an insurance fund paid into by all employed citizens, which then funds treatment for accidents and provides a percentage of salary lost due to accidents. Public hospitals provide care to a large portion of the population with means-tested fees and long waiting lists in some cases, while private hospitals cater to the wealthy and the privately insured. The ACC has a "no fault" policy which removes the ability for people to sue for personal injury except under extreme circumstances or cases of gross negligence. Prescriptions are heavily subsidised, and almost all drugs are purchased via Pharmac, a government-run body with massive negotiating power. -->
<!-- ===Norway===
[[Norway]] has a tax-funded mandatory system run by four Regional Health Authorities. For anyone below 16 years of age as well as pregnancy related issues there is no cost, while others pay a nominal fee for examinations, and pay for medication (some heavily subsidized). There is an upper annual cost limit (US$250 in 2015) per person; everything above that is free. Hospitalization and related ambulance services are always free. All have the right to a choice in hospitals. Health services are provided by a combination of public and private entities, where the private entities compete for government contracts. Dental care is, with some exceptions, not covered by the universal health care system, but is free for youths up to 18 years of age. Supplemental private health insurance also exists, usually as job fringe benefit, and is mostly used to get quicker access to services in non-urgent matters that does not require hospitalization.

Expenditure on healthcare is about US$9,715 per capita per year, among the highest in the world.<ref>{{cite book|last1=Britnell|first1=Mark|title=In Search of the Perfect Health System|date=2015|publisher=Palgrave|location=London|isbn=978-1-137-49661-4|page=87|accessdate=27 November 2015}}</ref> -->

===Switzerland===
{{cquote|We opposed reform. But in fact, our insurance industry has thrived with it. Of course, we are Swiss. So we are pleased that everyone in Switzerland now has access to the same package of care.|||Pierre-Marcel Revaz.<ref name="R-ch10"/>}}
Historically, Switzerland had had many mutual funds, or health insurance plans, from which workers can purchase via employment. Switzerland is in fact home to some of the world's largest insurance firms. In the 1980s, Swiss insurance firms learned that they could make handsome profits by carefully selecting applicants and diligently denying claims. The big insurance firms bought up the old and small mutual funds. Consequently, the Swiss healthcare system became more and more expensive while leaving an increasing number of citizens without coverage. By 1993, some 5% of the Swiss had no insurance. A government task force was established to examine this national problem and to study the healthcare systems of other European countries.<ref name="R-ch10"/>

The Beveridge model was quickly dismissed as incompatible with Swiss capitalist values. But the Bismarck model was a much better fit. A new legislative proposal was drafted. The Swiss Federal Law on Compulsory Health Care, known as LAMaL after its French name, which is a pun from the French word for illness, separates health insurance from employment and establishes a basic coverage package. Firms are not allowed to actively seek profits from the basic package; any surpluses made in one year must be used to reduce premiums the following year. All applicants must be accepted and no claims from a certified doctor or hospital may be denied. As the Law's name suggests, it requires all citizens to have an insurance plan. Anyone who fails to do so is automatically assigned to one of the existing plans and premiums are deducted from paychecks. Under this Law, everyone can afford healthcare and the risk pool is wide enough to keep the insurance funds solvent.<ref name="R-ch10"/>

Switzerland is a direct democracy and every major policy change must be approved directly by voters. In the end, solidarity, a fundamental principle of Swiss culture, prevailed, and voters approved the new law, albeit with a narrow majority. LAMaL went into effect January 1, 1996. Today, universal health coverage has become such a basic part of daily life in Switzerland that few people question it anymore.<ref name="R-ch10"/>

Although Swiss insurance firms may not make profits from the basic coverage package mandated by the government, they may do so with additional benefits, namely coverage of things like cosmetic surgery and private hospital rooms. Indeed, the absence of profits from basic coverage has not prevented Swiss insurance firms from vigorously competing for customers with perks such as user-friendliness, or speed of reimbursement. They typically use the non-profit basic package as a loss leader, drawing customers to lines of business from which they may make profits, such as supplemental health insurance, life insurance, or fire insurance. In fact, the insurance industry reports their profits have been higher after the passage of LAMaL.<ref name="R-ch10"/>

Switzerland is a big spender on medicine. As a result, the desire for further healthcare reforms persists. In particular, some would like to see a government-run national health insurance plan, like the one introduced in Taiwan. However, attempts to realize this have so far been defeated. A 2007 referendum saw a clear majority of Swiss voters rejecting this proposal.<ref name="R-ch10"/> Another one in 2014 met the same fate. Voters feared that quality could be compromised, and quality is something the Swiss loathe to lose.<ref name="B-ch18">Britnell, Mark. ''In Search of the Perfect Health System''. Palgrave, 2015. "Chapter 18: Switzerland – You Get What You Pay For". ISBN 978-1-137-49661-4. </ref>

The Swiss healthcare system is a demonstration of the maxim "you get what you pay for". While the federal government is in charge of regulation, the 26 cantons are responsible for funding and the 2596 communes oversees elderly care. Swiss healthcare spending amounts to 11.5% of GDP, with spending per capita exceeding $9,200 per annum, slightly above that of the U.S. The system faces comparatively little financial pressure and health outcomes are excellent. In fact, her life expectancy is among the highest in the world, 82.7 years, behind only Japan, Hong Kong, and Iceland. Queues are rather short and the people are among the healthiest in the world. Switzerland successfully tackles heart disease, strokes and cancer, though suicide rates could go down. However, Switzerland's health spending is expected to grow faster than her projected economic growth. Swiss voters will likely have to consider reforms some time in the future.<ref name="B-ch18"/>

Due to the nation's decentralized political system, the Swiss healthcare system is highly fragmented, leading to inequalities among the cantons. However, patients have been free to move between the cantons since 2012. Another major problem is the shortage of medical professionals. Swiss medical schools are not producing enough graduates and the country has been taking in foreign doctors. As of 2015, about one in five doctors are migrants. However, since 2013, restrictions have been in place to protect the domestic supply.<ref name="B-ch18"/>

===United Kingdom===
{{see also|Welfare policy of the United Kingdom}}
{{cquote|In Britain today, the NHS is the closest thing we have to a religion.|||Nigel Lawson<ref name="R-ch7"> Reid, T. R. ''The Healing of America: a Global Quest for Better, Cheaper, and Fairer Health Care''. "Chapter 7: The UK – Universal Coverage, No Bills". Penguin Books, 2010. ISBN 978-1-59420-234-6.</ref>}}
[[File:National-Health-Service.jpg|thumb|right|Leaflet concerning the launch of the NHS in England and Wales<ref>{{cite web|author1=Ministry of Health, and the Central Office Of Information|title=The New National Health Service leaflet|date=1948|url=https://goodneighbourschorlton.files.wordpress.com/2013/06/nhs-1948-leaflet.jpg}}</ref>]]
[[File:NHS-Logo.svg|thumb|right|Logo of NHS England]]

William Beveridge was a social reformer from an intellectual, reforming middle-class background who had a good look at "the mystery of poverty" in his youth. In 1942, while working as a senior official in the coalition government of Winston Churchill, Beveridge published a document titled ''Social Insurance and Allied Services'', more popularly known as the Beveridge Report, and it became an immediate success. In it, he laid out his vision for a welfare state, and, in particular, the Beveridge model of universal healthcare, which is the roadmap for the National Health Service (NHS). The key principle behind the Beveridge model is that no one should ever have to pay out of pocket for medical bills, which are to be funded by the government via taxes.<ref group="note">Taxes are relatively high in the U.K., and they contribute to the high cost of living.</ref> Under the NHS, there are no insurance premiums, no co-pays, and no deductibles. However, Lord Beveridge lacked the political skills needed to realize his goals. That job fell to Aneurin "Nye" Bevan, a coal miner and union organizer who became a politician. Bevan decided to nationalize all hospitals and to make their medical professionals government employees. But he made a number of concessions. Doctors could still see patients on their own time and charge fees, but, as Bevan correctly predicted, this parallel private system is negligible in size compared to the NHS. General practitioners could still operate private clinics, but would receive payments directly from the NHS. The private insurance industry could still market plans to anyone not interested in using the NHS.<ref name="R-ch7/>

From the day when it first opened, July 5, 1948, till today, the NHS operates on a shoestring budget. Whenever a product or service is readily available at low or no costs, demand for it will be high. In order to alleviate budget issues, treasury officials decided to charge patients a nominal fees on prescription drugs. Children and the elderly (aged 60 or more), pregnant women, and the chronically ill are exempt. Many have to pay for some vision and dental care. However, when the British Medical Association proposed a standard co-pay per doctor visited to be shared between doctors and the NHS, the proposal was flatly rejected by the public.<ref name="R-ch7"/> In April 2011, [[Scotland]] abolished prescription charges for everyone.<ref>[http://www.psd.scot.nhs.uk/prescriptioncharges.html Important Information on Prescription Charges], NHS Scotland</ref> 

The NHS has taken some steps to keep its operating costs low and is in fact recognized by international experts as one of the most cost-effective healthcare system ever designed. Bureaucracy is minimal, keeping administrative costs low, because there are very few bills and no insurance claims to process. Consultations are limited to about ten minutes. While this may sound draconian, it has been found to be the average amount of time taken by a single doctor visit. General practitioners, or GPs, act as gatekeepers who decide whether or not a patient needs to see a specialist. All patients must register with a GP, who receives a fee from the NHS for each patient registered with her practice. Prevention is prioritized; GP clinics are full of posters informing people what to watch out for and how to take better care of themselves. Furthermore, flu shots are free. The NHS limits the types of medications, tests and treatments it pays for. In other words, care is rationed. The National Institute for Health and Clinical Excellence (NICE) is responsible for deciding what is covered and what is not. NICE often has to make difficult decisions, but maintains strong public support because everyone has a stake in healthcare. The money saved from not treating one person can be used to on another. But perhaps the biggest price-control tool is the dreaded waiting list. A patient must wait weeks to months to see a medical specialist if the patient receives a recommendation from his GP,<ref name="R-ch7"/> more specifically a maximum of 18 weeks for non-urgent treatment<ref>[http://www.dh.gov.uk/prod_consum_dh/groups/dh_digitalassets/@dh/@en/@ps/documents/digitalasset/dh_122736.pdf The Operating Framework for the NHS in England 2011/12], UK Department of Health</ref> and four weeks for cancer care.<ref>[http://www.dh.gov.uk/prod_consum_dh/groups/dh_digitalassets/documents/digitalasset/dh_123394.pdf Improving Outcomes: A Strategy for Cancer], UK Department of Health</ref> Long wait times has led to an increasing number of Britons traveling to other countries for medical or dental treatments.<ref name="BBC-medical-tourism"/>

In order to keep the system afloat, Prime Minister [[Tony Blair]] and his successor, [[Gordon Brown]], poured huge sums of money in the NHS. Additional funding made an immediate impact; waiting lists were substantially reduced. The queue for non-emergency care remains long, however.<ref name="R-ch7"/> However, the government of [[David Cameron]] attempted to introduce privatisation in various guises. This effort is fiercely opposed by the majority of the British populace, and 9 out of 10 doctors oppose the government's "Health and Social Care Bill"<ref>[http://www.guardian.co.uk/politics/2012/feb/26/hospital-doctors-oppose-nhs-bill?CMP=twt_gu Nine out of 10 members of Royal College of Physicians oppose NHS bill], ''The Guardian''. February 26, 2012.</ref> that will abolish Primary Care Trusts and place 80% of responsibility for finance on general practitioners, which is expected to lead to the hiring of outside private groups to manage hospital's financial matters. It was also opposed by the ''British Medical Journal'', ''The Lancet'', the British Medical Association, Royal ­College of ­Radiologists, Royal College of Paediatrics and Child Health, Royal College of ­Nursing, Royal College of GPs, the Faculty of Public Health, and the Royal College of Midwives – basically most doctors, specialists and hospital workers. Despite the almost complete opposition from experts, the bill was [[Anti-intellectualism|passed by the Conservatives]] in 2012.

There is even a [http://twitter.com/#search?q=%23welovethenhs Twitter page] of real British people expressing support for the NHS. This led to [[Twitter]] crashing when millions of Britons turned up to defend the NHS. The NHS supporters included [[Stephen Hawking]], who said, "I wouldn't be here today if it were not for the NHS."<ref>[http://www.telegraph.co.uk/news/worldnews/northamerica/usa/6017878/Stephen-Hawking-I-would-not-be-alive-without-the-NHS.html Stephen Hawking: I would not be alive without the NHS], ''The Telegraph''</ref> This was in response to an [[Investor's Business Daily|especially unresearched article]] claiming that Hawking, who has suffered from ALS for many years, would have been [[Euthanasia|euthanised]] under the NHS.{{cn}} Indeed, the NHS is a huge part of modern British popular culture, being featured in films, novels, television series, and of course, the daily news.<ref name="R-ch7"/> 

Doctors working for the NHS enjoy some important benefits. While they have to pay for malpractice insurance, any doctor who can show he was following NICE guidelines is immune from malpractice lawsuits. They graduate with low or no debts, because medical schools are subsidized.<ref name="R-ch7"/>

England suffers from a shortage of general practitioners, about 6,000, according to the Royal College of GPs.<ref name="BBC-GPsub"/> Furthermore, access to GPs is highly variable across different parts of the nation.<ref>[https://www.bbc.com/news/health-46912055 Differences in GP access across England 'shocking']. BBC News. January 19, 2019. Accessed February 3, 2019. </ref> A recent plan by NHS England to reduce the workload of general practitioners and therefore NHS spending is the recruitment of "link workers", whose job is to prescribe physical exercises and art classes to patients who do not need pills and to monitor their progress.<ref>[https://www.bbc.com/news/health-46999922 More 'social prescribers' to ease pressure on GPs]. BBC News. January 28, 2019. Accessed February 3, 2019. </ref> Another plan is the recruitment of more than 20,000 physiotherapists, pharmacists, and paramedics to work alongside overburdened GPs.<ref name="BBC-GPsub">[https://www.bbc.com/news/health-46994187 The GP substitute will see you now]. BBC News. January 31, 2019. Accessed February 3, 2019. </ref>
<!-- Britain's National Health Service is similar in principle to Spain's, namely, a centralized system paid for by taxes. Hospital care is covered but patients sometimes have to wait between consulting about an issue and beginning treatment; typically a maximum of 18 weeks for non-urgent treatment<ref>[http://www.dh.gov.uk/prod_consum_dh/groups/dh_digitalassets/@dh/@en/@ps/documents/digitalasset/dh_122736.pdf The Operating Framework for the NHS in England 2011/12], UK Department of Health</ref> and 4 weeks for cancer care.<ref>[http://www.dh.gov.uk/prod_consum_dh/groups/dh_digitalassets/documents/digitalasset/dh_123394.pdf Improving Outcomes: A Strategy for Cancer], UK Department of Health</ref> People have the option of taking out private health insurance if they don't want to wait for their non-urgent operations or share a ward with the ''hoi polloi''.

In [[England]], and [[Northern Ireland]], there is a flat charge for prescription medicines, but there are exemptions for the elderly, the very young, those on low incomes, expectant mothers – those who are terminally ill or suffer from certain chronic conditions like cancer or diabetes<ref>[http://www.diabetes.co.uk/diabetes-prescriptions.html Diabetes Prescriptions], Diabetes UK</ref> can apply for Medical Exemption Certificates for free prescriptions. Reduced price 'season tickets' are available for those on long-term medication. There are no prescription charges in [[Wales]]. In April 2011, [[Scotland]] abolished prescription charges for everyone.<ref>[http://www.psd.scot.nhs.uk/prescriptioncharges.html Important Information on Prescription Charges], NHS Scotland</ref>
 -->

===United States of America===
{{cquote|Only a crisis{{---}}actual or perceived{{---}}produces real change. When that crisis occurs, the actions that are taken depend on the ideas that are lying around. That, I believe, is our basic function: to develop alternatives to existing policies, to keep them alive and available until the politically impossible becomes the politically inevitable.|||Milton Friedman<ref name="UChicago">[https://bfi.uchicago.edu/news/post/milton-friedman-his-own-words Milton Friedman in His Own Words]. Becker Friedman Institute for Economics at the University of Chicago. Accessed December 19, 2018. </ref>}}
[[File:Total_health_expenditure_per_capita,_US_Dollars_PPP.png|thumb|300px|Health spending per capita, in US$ purchasing power parity-adjusted, among various OECD countries. Remember, other countries, the U.S. is taking care of YOU.]]
[[File:Healthcare_costs_to_GDP_OECD_2015_v1.png|thumb|300px|Healthcare spending relative to GDP for select OECD countries]]

Due to a decision during [[WWII]], health insurance became an untaxed benefit that employers could use as an incentive to get around wage freezes. Immediately after this decision pretty much all companies began offering health insurance, which continued even after the end of the war, and this coincided with an increase in quality and relevance of health insurance. Thus, when Presidents [[Harry Truman]] and [[Dwight D. Eisenhower]] considered starting up a single-payer system, the strongest opposition came from the [[trade union|labor unions]], who considered this a massive threat to their interests. With a single-payer system, the unions would have one fewer incentive for workers to join them. They were successful in killing it, thereby setting it on the course that got it to the present day.<ref>[https://youtube.com/watch?v=P03ZCtt1Kdw Steven Brill on American healthcare]. Rocky Mountain PBS. October 1, 2013.</ref>

The current American healthcare system is an amalgam of all four basic models listed above. It uses the Beveridge Model for military veterans (Veterans Affairs), the Bismarck model for those with employment-based insurance, the National Health Insurance model for the elderly (Medicare), and the out-of-pocket model for everyone else, or 15% of the population in 2008.<ref name="PBS"/> Such a system is neither efficient nor cost-effective. At least 18,000 people die unnecessarily every year in the United States simply because they're uninsured.<ref>[http://www.iom.edu/Reports/2004/Insuring-Americas-Health-Principles-and-Recommendations.aspx Insuring America's Health: Principles and Recommendations], Institute of Medicine</ref><ref>[http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2775760/pdf/2289.pdf Health Insurance and Mortality in US Adults], ''American Journal of Public Health''</ref> Total health spending is 17.6% of GDP compared to a developed country average of 9.6%, and most of it goes to profit margins for private insurance companies. For-profit health care encourages the use of expensive procedures, drugs and medical equipment to treat relatively minor issues while the root of the problem is ignored. In other words, Americans spend far more for worse care, with $947 per person on average compared to $487 per person in developed nations overall.<ref>[http://www.ncbi.nlm.nih.gov/books/NBK115854/ U.S. Health in International Perspective: Shorter Lives, Poorer Health], National Institutes of Health.</ref>

As previously mentioned, a 2000 World Health Organization report noted that the USA ranked 37<sup>th</sup> out of 191 countries for the overall quality of health care available to its citizens, despite having the most responsive system in existence.<ref name="WHO-2000"/> However, given the aforementioned subsidies, countries that topped the list probably partly owed their status to the U.S. There is fundamentally no reason why Americans cannot benefit from both world-class and affordable healthcare.

Overall, the quality of medical education in the United States is second to none, as is the quality of research and development, both public and private. The U.S. National Institutes of Health are the best funded public medical research bodies in the world.<ref name="B-ch24">Britnell, Mark. ''In Search of the Perfect Health System''. Palgrave, 2015. "Chapter 24: The US – Let's Face the Music and Dance". ISBN 978-1-137-49611-4. </ref> At the same time, most of the world's leading pharmaceutical and biomedical engineering companies are American, and most of their research and development are done in the U.S., which is also where most of their profits come from. This makes it easy for the governments of countries with universal healthcare to negotiate costs down. For that reason, the U.S. is subsidizing healthcare costs for other countries, including those in Europe.<ref>Whitman, E. (September 24, 2015). [https://www.ibtimes.com/how-us-subsidizes-cheap-drugs-europe-2112662 How The US Subsidizes Cheap Drugs For Europe] ''International Business Times''. Retrieved August 27, 2018.</ref><ref>[https://www.wsj.com/articles/why-the-u-s-pays-more-than-other-countries-for-drugs-1448939481 Why the U.S. Pays More Than Other Countries for Drugs]. The ''Wall Street Journal''. December 1, 2015. </ref> This is not necessarily uncommon knowledge. Shortly before the 2018 midterm elections, President Donald Trump said,

{{cquote|We are taking aim at the global [[Free rider|freeloading]] that forces American consumers to subsidize lower prices in foreign countries through higher prices in our country.|||<ref name="AP-freeloading">[https://www.apnews.com/9d32fcda0f5944af9165306f6954cab3 Liberals dare Trump to back their bills lowering drug prices]. Associated Press. January 10, 2019. </ref>}}

In January 2019, Senator [[Bernie Sanders]] and like-minded Congressional representatives introduced a legislative proposal to cut prescription drug prices in the United States by (1) encouraging competition between generic drugs and brand-name drugs, (2) allowing Medicare to negotiate prices directly with pharmaceutical companies, and (3) enabling patients to import drugs from Canada, where prices are lower. Prices are deemed "excessive" if they are higher than the median in Canada, the United Kingdom, Germany, France and Japan. They urged President Trump to support the legislation. However, there was no immediate response from the White House.<ref name="AP-freeloading"/>

In terms of geographical size, the United States is comparable to Europe, making the managing and reform the American healthcare system truly Herculean tasks, akin to operating a single healthcare system for all of Europe. Such a system of course does not exist.<ref name="B-ch24"/>

Cancer treatment in the United States is excellent, only topped by Japan in providing high-tech screening. However, its effectiveness is held back due to a lack of access.<ref>[http://www.conferenceboard.ca/hcp/details/health.aspx Who’s at the top of the class?], Conference Board</ref> In general, though, high mortality rates among younger Americans is a major problem.<ref>[http://www.bbc.co.uk/news/world-us-canada-14070090 Why do Americans die younger than Britons?], BBC</ref>

====Patient Protection and Affordable Care Act====
[[File:Official_portrait_of_Barack_Obama.jpg|thumb|165px|right|President Barack Obama]]

On March 23, 2010, the Patient Protection and Affordable Care Act, also known as the Affordable Care Act or Obamacare for short, became law, having both massive support and criticism. A key aspect of this law is the "individual mandate", which requires individuals to have insurance or be fined. This proved unpopular. It also bans insurance companies from denying coverage to those with pre-existing conditions, allows young people to stay on their parents' plans till age 26, and requires business owners with more than 50 employees to offer health insurance. These provisions drew great support. The [[U.S. Supreme Court]] upheld most of the law as constitutional in a 5–4 decision in 2012; only the requirement that states expand their Medicaid insurance program for the poor was struck down.<ref>[https://www.reuters.com/article/us-usa-healthcare-court/top-court-upholds-healthcare-law-in-obama-triumph-idUSBRE85R06420120628 Top court upholds healthcare law in Obama triumph]. Reuters. June 28, 2012. Accessed February 12, 2019. </ref> However, it is not a true universal health care system. Supporters hoped and critics feared that it would evolve into a true government-run system. 

In mid-2016, President Barack Obama wrote an article for the ''Journal of the American Medical Association'' (JAMA) urging Congress to do more to curb the rising costs of healthcare. He noted that the lack of competition among regional health insurance plans warrants the "public option", or a government-run insurance policy that competes with existing private insurance. He pointed out that the number of uninsured Americans has dropped from 49 million in 2010 to 29 million in 2015<ref group="note">That's a drop from 15% to 9%. </ref> and that the rate of growth in healthcare spending has slowed thanks to the ACA. This article draws from a comprehensive review of Obamacare the President requested from his staff in 2015.<ref name="NPR-public-option">[https://www.npr.org/sections/health-shots/2016/07/11/485228991/obama-renews-call-for-a-public-option-in-federal-health-law Obama Renews Call For A 'Public Option' In Federal Health Law]. NPR. July 11, 2016. </ref><ref group="note">This is apparently the first article by a sitting President that gets published by a prestigious medical journal. </ref> A random survey conducted in 2009 by the Mount Sinai School of Medicine in New York found that 63% of doctors support giving patients a choice between public and private insurance, 10% favor the public option only, and 27% private insurance only. Therefore, almost three quarters of medical practitioners support the public option. Given that American public support for it ranges from 50% to 70%, medical professionals are even more supportive of government-run insurance than the laymen. American doctors already have experience with government-run healthcare, that is, Medicare, and they generally like it.<ref>[https://www.npr.org/templates/story/story.php?storyId=112818960 Poll Finds Most Doctors Support Public Option]. NPR. September 14, 2009. </ref>

In 2017, the number of Americans living without insurance dropped to a historic low of 8.8%. However, this was before the implementation of the Tax Cuts and Jobs Act of 2017, which, according to Congressional Budget Office, will cost three million people their health coverage the following year.<ref>[https://www.cnbc.com/2018/09/12/rates-of-uninsured-in-us-hold-steady-at-historic-low-8point8-percent.html Rates of uninsured in US hold steady at historic low 8.8 percent]. CNBC. September 13, 2018. Accessed March 28, 2019. </ref>

====Healthcare reforms in various states====
Various states have attempted to implement healthcare reforms over the years, with an eye towards a single-payer universal healthcare system.<ref name="Politico-uhc"/> Vermont did so in 2011, calling its plan Green Mountain Care,<ref>[http://hcr.vermont.gov/ Health Care Reforms – Making Quality Health Care Available to All Vermonters]. State of Vermont. Accessed February 2, 2019. </ref> intended to the vanguard for healthcare reforms in the U.S.<ref name="Harvard-Hsiao">[https://www.hsph.harvard.edu/william-hsiao/ William Hsiao]. Faculty and Researcher Directory, T. H. Chan School of Public Health, Harvard University. Accessed February 2, 2019. </ref> However, it was not a true single-payer system, because it exempted businesses operating in multiple states, thereby exacerbating, rather than simplifying, administrative complexity. This made the plan financially unsound.<ref name="Politico-uhc">Wheaton, S. (December 20, 2014). [https://www.politico.com/story/2014/12/single-payer-vermont-113711 Why single payer died in Vermont]. ''Politico''. Retrieved February 2, 2018.</ref> Nor was the economy of Vermont particularly strong at the time.<ref name="Harvard-Hsiao"/>

Hawaii attempted in implement a universal healthcare system in 2009, with the legislature overriding the governor's veto. However, this effort faltered when the new governor prioritized the Affordable Care Act. California and New York tried year after year to create their own single-payer systems, but have so far not succeeded. Illinois, Washington, Massachusetts, Ohio, Oregon and Pennsylvania all introduced similar bills, but with similar results.<ref name="Politico-uhc"/>

====Medicare Extra for All====
In addition to the "public option" suggested by President Obama, another way of going beyond Obamacare was proposed by the Center for American Progress known as Medicare Extra for All. It is the midway between Obamacare and the much more ambitious Medicare-for-All proposal, which would implement a single-payer system. (More below.) Under Medicare Extra for All, all U.S. citizens and legal residents would be eligible for coverage, which includes preventive care, vision care, dental care, hearing care, long-term care, and generic prescription drugs. Low-income individuals would be exempt from co-pays and deductibles. Employers may maintain their own insurance plans and employees may choose between government insurance or what their employers provide. Employer-provided health insurance would largely be tax-free. The government would have the power to negotiate the prices of prescription drugs, and medical equipment. However, how much this plan will cost is not known, though proponents admit that substantial tax increases will be necessary.<ref>[https://www.voanews.com/a/us-health-care-overhaul/4265512.html Beyond 'Obamacare': New Liberal Plan on Health Care Overhaul]. VOA News. February 21, 2018. Accessed February 2, 2019. </ref>

====Medicare for All====
[[File:Bernie_Sanders_(cropped).jpg|thumb|165px|right|Senator Bernie Sanders]]

Senator Bernie Sanders considers the lack of affordable healthcare in the United States a moral issue and proposed "Medicare for All" to address it. As its name suggests, this legislation seeks to expand Medicare to cover what it currently does not (completely) cover, including vision and dental care. It even goes above and beyond what some private insurance plans currently cover. While private insurance is presently part of Medicare, that would no longer be the case under Medicare for All; nor would there be co-pays and deductibles. Medicare for All is a single-payer universal healthcare system. In order to fund his generous welfare program, Sanders proposed a payroll tax on employers and various new taxes on wealthy Americans and corporations.<ref name="NPR-M4A">[https://www.npr.org/2017/09/14/550768280/heres-whats-in-bernie-sanders-medicare-for-all-bill Here's What's In Bernie Sanders' 'Medicare For All' Bill]. NPR. September 14, 2017. Accessed February 2, 2019. </ref>

Support for Medicare for All appears to be growing.<ref>[http://thehill.com/policy/healthcare/376860-sanders-says-new-health-care-plans-shows-dems-moving-toward-medicare-for Sanders says new health-care plan shows Dems moving toward 'Medicare for all']. ''The Hill''. March 5, 2018. </ref> A poll conducted by the Kaiser Family Foundation, a nonpartisan [[think tank]], in March 2018 reveals that a majority of Americans support major reforms to the American healthcare system. Specifically, 59% support Sanders' Medicare-for-all proposal and 75% favor a public option or expansion of Medicare.<ref>[http://www.businessinsider.com/poll-medicare-for-all-public-option-bernie-sanders-plan-support-2018-3 A New Poll Found That A Majority of Americans Support A Radical Change To the US Healthcare System] ''Business Insider''. March 28, 2018. </ref> Another conducted by Reuters in June and July 2018 shows that a vast majority of Americans, 70%, now support single-payer healthcare.<ref>[http://thehill.com/policy/healthcare/403248-poll-seventy-percent-of-americans-support-medicare-for-all Seventy Percent of Americans Support 'Medicare For All' In New Poll]. ''The Hill''. August 23, 2018. </ref> However, support or disapproval depends sensitively on the way the question is asked, a poll conducted in January 2019 by the Kaiser Family Foundation reveals. While 71% of Americans agree that healthcare should be a human right, support for Medicare for All drops to 37% if it means higher taxes and 26% if it leads to longer wait times. One sees that political discourse on this proposal remains in its infancy; public opinion is not yet stable.<ref name="AP-fluct">[https://www.apnews.com/4516833e7fb644c9aa8bcc11048b2169 Poll: Support for 'Medicare-for-all' fluctuates with details]. Associated Press. January 23, 2019. Accessed February 3, 2019. </ref> Estimates for the cost of the plan varies from $25 trillion to $35 trillion over a ten year period, according to various independent studies.<ref name="AP-fluct"/>

Medical service providers are also warming to the idea. Even though their payments may fall in the long run, administrative costs and the amounts of paperwork will also decrease. What really matters to them is not reimbursement rates but net income. Healthcare spending could drop to Canadian levels. Sanders wants to phase Medicare for All in over a period of four years.<ref>[https://www.washingtonpost.com/business/2018/08/27/what-would-sanderss-medicare-for-all-plan-mean-doctor-pay/ What Would Sanders's 'Medicare-for-all' Plan Mean for Doctor Pay?]. ''Washington Post''. Wonkblog Analysis. August 27, 2018. </ref>

By 2019, Medicare for All has become a major political issue for political leaders in Congress, as well as in state and local governments. Many try to control costs and expand coverage, including for illegal immigrants.<ref>[https://www.pbs.org/newshour/show/democrat-led-cities-and-states-move-toward-universal-health-care-on-their-own-terms Democrat-led cities and states move toward universal health care on their own terms]. PBS NewsHour. February 13, 2019. Accessed February 13, 2019. </ref>The political project took a massive gut punch when Joe Biden won the Democratic party nomination in 2020 and while still having a lot of support has a uncertain future in terms of actually being implemented.

==External links==
*[http://www.nytimes.com/2001/03/09/opinion/09iht-eddavid.t_0.html A Conservative Convert To Socialized Medicine], ''The New York Times''. March 9, 2001.
*[https://www.pbs.org/newshour/health/health-july-dec09-insurance_10-06 Comparing International Health Care Systems], the [[PBS]] ''Newshour''.
*[https://pnhp.org/what-is-single-payer/faqs/ Single Payer FAQ - Physicians for a National Health Program]
*Obama B. [https://jamanetwork.com/journals/jama/fullarticle/2533698 United States Health Care Reform: Progress to Date and Next Steps]. ''JAMA''. 2016;316(5):525–532. doi:10.1001/jama.2016.9797
*[https://www.nytimes.com/interactive/2017/09/18/upshot/best-health-care-system-country-bracket.html?smid=pl-share The Best Health Care System in the World: Which One Would You Pick?] The Upshot. ''The New York Times''. September 18, 2017.

==Notes==
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==References==
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