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Should citizens be responsible for their healthcare costs


You should spend about 40 minutes on this task.

Present a written argument or case to an educated reader with no specialist knowledge.

Write about the following topic:

Healthcare cost is increasing, and many governments are finding it difficult to balance their healthcare budget. To tackle this issue, some people suggest that citizens should be solely responsible for their own healthcare costs with private health insurance, while others suggest that the government should provide free health services for all. Disccuss both views and give your own opinion.

Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Write at least 250 words.

Sample Answer:

Healthcare cost is undeniably on the rise, putting strain on government budgets worldwide. This has sparked a debate on how best to manage healthcare costs, with some advocating for a shift towards private health insurance and others arguing for the provision of free health services by the government.

Proponents of private health insurance argue that it promotes individual responsibility and choice. They believe that by requiring citizens to pay for their own healthcare costs, they will be more conscious of their health and make better decisions regarding their lifestyle and healthcare utilization. Additionally, they argue that competition among private insurance providers will drive down costs and improve the quality of healthcare services.

On the other hand, advocates for free government-provided health services argue that healthcare is a basic human right and should be accessible to all, regardless of their ability to pay. They point to the success of universal healthcare systems in countries like Canada and the United Kingdom, where citizens have access to free or heavily subsidized healthcare services. They argue that such a system promotes equality and social justice, ensuring that everyone has access to the care they need.

In my opinion, a combination of both approaches may be the most effective solution. While private health insurance can promote individual responsibility and choice, the government should still play a role in providing a safety net for those who cannot afford private insurance. This can be achieved through a system of subsidized premiums or a public option for those who are unable to obtain private insurance. By combining the strengths of both approaches, we can ensure that healthcare remains accessible to all while promoting individual responsibility.

In conclusion, the issue of rising healthcare costs requires a balanced approach that takes into account both individual responsibility and the role of government in ensuring healthcare access for all. By finding a middle ground between private health insurance and government-provided services, we can work towards a healthcare system that is both sustainable and equitable.

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