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In the recent past, the country has witnessed a drastic increase in health care expenditure. Compounding this is the increase in health insurance premiums in the past few years (Rosenau and Lako, 2008). This has led to an increase in the number of citizens that are uninsured. In the present time a huge percentage of the population is underinsured meaning that they lack enough protection from health costs as well as financial protection. This problem particularly affects those in the low-income and middle class groups. Additionally, the economic status in the country has worsened making it increasingly difficult for employers to fully pay for health insurance for their workforce. Recent statistics have shown that the number of companies that pay for insurance for their workforce declined between 2005 and 2010 (Adams et al., 2011). The decrease in employer-funded insurance has been somewhat contributed by the current health care program. This goes a long way in proving that an effective universal health insurance scheme is critical the solving the problem of health care access to the citizens.
Universal health insurance should cater for the unconditional provision of health care as it results to improved health across the population (Gunnar, 2008). As a result, the members of the population can access preventive treatment including screening for cancer and other chronic illnesses. Such services are expensive for the larger part of the population and this explains why universal health care provision should cover all medical costs. Universal health insurance ensures that individuals that suffer from major injuries can be admitted to the ICU (Intensive Care Unit) without preconditions which will save lives (Adams et al., 2011). Finally, with universal care, individuals from minority communities can access health care from a universal health care system.
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Summary

Health care is a widely discussed topic especially in the developed world and has become increasingly contentious in the recent times following the implementation of universal health care. This development has resulted in the debate on the party responsible for the costs of…
Assignment 2
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