The United States ranks among the nations that have health-care issues. It is clear that the presidential candidates favor health care reforms that will expand coverage to all Americans. It is clear that the loopholes which undermine universal coverage in America are evident from the inconsistent political promises on universal health care. Germany has been able, at a reasonable cost, to keep its universal coverage intact. This is not the case in the United States.
Germany’s “sickness” fund is there to help them with the challenges of universal healthcare coverage. Busse et al. Busse & al. (2017) noted that the “Sickness Fund” is a benefit to a significant number of Germans. A small number of Germans have private medical insurance. The German system has employees paying a part of the premiums for the sick funds and employers covering the rest. This law regulates labor and employers cannot avoid it. The government also covers medical expenses for children, and those who are jobless. The German government also has provisions for the “sickness funds” and imposes an out-of-pocket limit. It is intended to guard the public against expensive medical treatment that are not covered under “sickness funds”. In short, Germany’s universal health system is about the welfare of its inhabitants. German health policies don’t favor private health care dominance; instead, government attempts to deal with some of the problems that may lead to excess public spending on healthcare access.
America has a solid legislative framework in support of universal health coverage. Contrary to Germany, Americans are responsible to ensure that everyone has access to universal healthcare coverage. Notably, Bloom et al. (2018) highlight that the United States places a lot emphasis on its legislation, however the government fails to provide assistance for low-income individuals who have difficulty obtaining universal coverage. Some low-income workers may not be able to afford subscriptions to both federal and state plans. However, this government ignores the concerns of such people and punishes them for not having health insurance. It is desirable that the public purchase insurance. However, it could not be possible for low-income people or those without jobs. This isn’t the case in Germany, which has employees who pay a percentage of their income. Busse and colleagues. Busse & al. (2017) found that the highest-paid workers in Germany pay the least to their illness funds. This approach is better than focusing only on laws that require insurance coverage to the jobless.
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