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Single-payer healthcare is a type of
universal healthcare Universal health care (also called universal health coverage, universal coverage, or universal care) is a health care system in which all residents of a particular country or region are assured access to health care. It is generally organized ar ...
in which the costs of essential
healthcare Health care or healthcare is the improvement of health via the prevention, diagnosis, treatment, amelioration or cure of disease, illness, injury, and other physical and mental impairments in people. Health care is delivered by health prof ...
for all residents are covered by a single public system (hence "single-payer"). Single-payer systems may contract for healthcare services from private organizations (as is the case in
Canada Canada is a country in North America. Its Provinces and territories of Canada, ten provinces and three territories extend from the Atlantic Ocean to the Pacific Ocean and northward into the Arctic Ocean, covering over , making it the world ...
) or may own and employ healthcare resources and personnel (as is the case in the
United Kingdom The United Kingdom of Great Britain and Northern Ireland, commonly known as the United Kingdom (UK) or Britain, is a country in Europe, off the north-western coast of the continental mainland. It comprises England, Scotland, Wales and No ...
). "Single-payer" describes the mechanism by which healthcare is paid for by a single public authority, not a private authority, nor a mix of both.


Description

Within single-payer healthcare systems, a single government or government-related source pays for all covered healthcare services.Medical Subject Headings thesaurus, National Library of Medicin
"Single-Payer System"
Year introduced: 1996, (From Slee and Slee, Health Care Reform Terms, 1993, p. 106)
Governments use this strategy to achieve several goals, including
universal healthcare Universal health care (also called universal health coverage, universal coverage, or universal care) is a health care system in which all residents of a particular country or region are assured access to health care. It is generally organized ar ...
, decreased economic burden of health care, and improved health outcomes for the population. In 2010, the
World Health Organization The World Health Organization (WHO) is a specialized agency of the United Nations responsible for international public health. The WHO Constitution states its main objective as "the attainment by all peoples of the highest possible level of ...
's member countries adopted universal healthcare as a goal; this goal was also adopted by the
United Nations General Assembly The United Nations General Assembly (UNGA or GA; french: link=no, Assemblée générale, AG) is one of the six principal organs of the United Nations (UN), serving as the main deliberative, policymaking, and representative organ of the UN. Curr ...
in 2015 as part of the 2030 Agenda for Sustainable Development. A single-payer health system establishes a single risk pool, consisting of the entire population of a geographic or political region. It also establishes a single set of rules for services offered, reimbursement rates, drug prices, and minimum standards for required services. In wealthy nations, single-payer health insurance is typically available to all citizens and legal residents. Examples include the United Kingdom's
National Health Service The National Health Service (NHS) is the umbrella term for the publicly funded healthcare systems of the United Kingdom (UK). Since 1948, they have been funded out of general taxation. There are three systems which are referred to using the " ...
, Australia's Medicare, Canada's Medicare, and Taiwan's
National Health Insurance National health insurance (NHI), sometimes called statutory health insurance (SHI), is a system of health insurance that insures a national population against the costs of health care. It may be administered by the public sector, the private sector ...
.


History of the term

The term was coined in the 1990s to characterize the differences between the Canadian healthcare system with those such as the United Kingdom's NHS. In the Canadian healthcare system, the government pays private agencies to provide healthcare for qualifying individuals. In other systems, the government both funds and delivers care.Liu, J. L., & Brook, R. H. (2017). What is single-payer health care? A review of definitions and proposals in the U.S. Journal of General Internal Medicine, 32(7), 822-831. Typically, "single-payer healthcare" refers to health insurance provided as a public service and offered to citizens and legal residents; it does not usually refer to delivery of healthcare services. The fund can be managed by the government directly or as a publicly owned and regulated agency. Single-payer contrasts with other funding mechanisms like 'multi-payer' (multiple public and/or private sources), 'two-tiered' (defined either as a public source with the option to use qualifying private coverage as a substitute, or as a public source for catastrophic care backed by private insurance for common medical care), and 'insurance mandate' (citizens are required to buy private insurance which meets a national standard and which is generally subsidized). Some systems combine elements of these four funding mechanisms. In contrast to the standard usage of the term, some writers describe all publicly administered systems as "single-payer plans", and others have described any system of healthcare which intends to cover the entire population, such as voucher plans, as "single-payer plans", although these usages generally do not meet strict definitions of the term.


Regions with single-payer systems

Several nations worldwide have single-payer health insurance programs. These programs generally provide some form of
universal health care Universal health care (also called universal health coverage, universal coverage, or universal care) is a health care system in which all residents of a particular country or region are assured access to health care. It is generally organized ar ...
, which is implemented in a variety of ways. In some cases doctors are employed and hospitals are run by the government, such as in the UK or Spain. Alternatively, the government may purchase healthcare services from outside organizations, such as the approach taken in
Canada Canada is a country in North America. Its Provinces and territories of Canada, ten provinces and three territories extend from the Atlantic Ocean to the Pacific Ocean and northward into the Arctic Ocean, covering over , making it the world ...
.


Canada

Healthcare in Canada is delivered through a
publicly funded health care Publicly funded healthcare is a form of health care financing designed to meet the cost of all or most healthcare needs from a publicly managed fund. Usually this is under some form of democratic accountability, the right of access to which are se ...
system, which is mostly free at the point of use and has most services provided by private entities.Public vs. private health care ''CBC'', December 1, 2006. The system was established by the provisions of the
Canada Health Act The ''Canada Health Act'' (CHA; ''french: Loi canadienne sur la santé'') is a statute of the Parliament of Canada, adopted in 1984, which establishes the framework for federal financial contributions to the provincial and territorial health in ...
of 1984. The government assures the quality of care through federal standards. The government does not participate in day-to-day care or collect any information about an individual's health, which remains confidential between a person and their physician. Canada's provincially based Medicare systems are cost-effective partly because of their administrative simplicity. In each province, every doctor handles the insurance claim against the provincial insurer. There is no need for the person who accesses healthcare to be involved in billing and reclaim. In general, costs are paid through funding from income taxes. A health card is issued by the Provincial Ministry of Health to each individual who enrolls for the program and everyone receives the same level of care. There is no need for a variety of plans because virtually all essential basic care is covered, including maternity and infertility problems. Depending on the province, dental and vision care may not be covered but are often insured by employers through private companies. In some provinces, private supplemental plans are available for those who desire private rooms if they are hospitalized. Cosmetic surgery and some forms of elective surgery are not considered essential care and are generally not covered. These can be paid out-of-pocket or through private insurers. Health coverage is not affected by loss or change of jobs, and there are no lifetime limits or exclusions for pre-existing conditions. Pharmaceutical medications are covered by public funds, privately out-of-pocket or through employment-based private insurance. Drug prices are negotiated with suppliers by the federal government to control costs. Family physicians (often known as general practitioners or GPs in Canada) are chosen by individuals. If a patient wishes to see a specialist or is counseled to see a specialist, a referral can be made by a GP. Canadians do wait for some treatments and diagnostic services. Survey data shows that the median wait time to see a special physician is a little over four weeks with 89.5% waiting less than three months. The median wait time for diagnostic services such as MRI and CAT scans is two weeks, with 86.4% waiting less than three months. The median wait time for surgery is four weeks, with 82.2% waiting less than three months. While physician income initially boomed after the implementation of a single-payer program, a reduction in physician salaries followed, which many feared would be a long-term result of government-run healthcare. However, by the beginning of the 21st century, medical professionals were again among Canada's top earners.


Taiwan

Healthcare in Taiwan is administered by the
Department of Health A health department or health ministry is a part of government which focuses on issues related to the general health of the citizenry. Subnational entities, such as states, counties and cities, often also operate a health department of their ...
of the
Executive Yuan The Executive Yuan () is the executive (government), executive branch of the government of the Republic of China (Taiwan). Its leader is the Premier of the Republic of China, Premier, who is appointed by the President of the Republic of China ...
. As with other developed economies, Taiwanese people are well-nourished but face such health problems as chronic
obesity Obesity is a medical condition, sometimes considered a disease, in which excess body fat has accumulated to such an extent that it may negatively affect health. People are classified as obese when their body mass index (BMI)—a person's ...
and
heart disease Cardiovascular disease (CVD) is a class of diseases that involve the heart or blood vessels. CVD includes coronary artery diseases (CAD) such as angina and myocardial infarction (commonly known as a heart attack). Other CVDs include stroke, h ...
. In 2002, Taiwan had nearly 1.6 physicians and 5.9 hospital beds per 1,000 population, and there were a total of 36 hospitals and 2,601 clinics in the island. ''This article incorporates text from this source, which is in the
public domain The public domain (PD) consists of all the creative work to which no exclusive intellectual property rights apply. Those rights may have expired, been forfeited, expressly waived, or may be inapplicable. Because those rights have expired, ...
.''
Health expenditures constituted 5.8% of the GDP in 2001, 64.9% of which coming from public funds. Despite the initial shock on Taiwan's economy from increased costs of expanded healthcare coverage, the single-payer system has provided protection from greater financial risks and has made healthcare more financially accessible for the population, resulting in a steady 70% public satisfaction rating. The current healthcare system in Taiwan, known as National Health Insurance (NHI), was instituted in 1995. NHI is a single-payer compulsory social insurance plan which centralizes the disbursement of health care funds. The system promises equal access to health care for all citizens, and the population coverage had reached 99% by the end of 2004. NHI is mainly financed through premiums, which are based on the payroll tax, and is supplemented with out-of-pocket payments and direct government funding. In the initial stage, fee-for-service predominated for both public and private providers. Most health providers operate in the private sector and form a competitive market on the health delivery side. However, many healthcare providers took advantage of the system by offering unnecessary services to a larger number of patients and then billing the government. In the face of increasing loss and the need for cost containment, NHI changed the payment system from fee-for-service to a global budget, a kind of prospective payment system, in 2002. Taiwan's success with a single-payer health insurance program is owed, in part, to the country's human resources and the government's organizational skills, allowing for the effective and efficient management of the government-run health insurance program.


South Korea

South Korea used to have a multipayer
social health insurance National health insurance (NHI), sometimes called statutory health insurance (SHI), is a system of health insurance that insures a national population against the costs of health care. It may be administered by the public sector, the private sector ...
universal healthcare system, similar to systems used in countries like Japan and Germany, with healthcare societies providing coverage for the whole populace. Prior to 1977, the country had voluntary private health insurance, but reforms initiated in 1977 resulted in universal coverage by 1989. A major healthcare financing reform in 2000 merged all medical societies into the National Health Insurance Service. This new service became a single-payer healthcare system in 2004.


Regions with 'Beveridge Model' systems


Nordic countries

The Nordic countries are sometimes considered to have single-payer health care services, as opposed to single-payer national health care insurance like Taiwan or Canada. This is a form of the ' Beveridge Model' of health care systems that features public health providers in addition to public health insurance. The term "Scandinavian model" or "Nordic model" of health care systems has a few common features: largely public providers, limited private health coverage, and regionally-run, devolved systems with limited involvement from the central government. Due to this third characteristic, they can also be argued to be single-payer only on a regional level, or to be multi-payer systems, as opposed to the nationally run health coverage found in Taiwan and South Korea.


United Kingdom

Healthcare in the United Kingdom is a devolved matter, meaning that England, Scotland, Wales, and Northern Ireland all have their own system of private and
publicly funded healthcare Publicly funded healthcare is a form of health care financing designed to meet the cost of all or most healthcare needs from a publicly managed fund. Usually this is under some form of democratic accountability, the right of access to which are s ...
, generally referred to as the
National Health Service The National Health Service (NHS) is the umbrella term for the publicly funded healthcare systems of the United Kingdom (UK). Since 1948, they have been funded out of general taxation. There are three systems which are referred to using the " ...
(NHS). With largely public or government-owned providers, this also fits into the 'Beveridge Model' of health care systems, sometimes considered to be single-payer, with relatively little private involvement compared to other universal systems. Each country's having different policies and priorities has resulted in a variety of differences existing between the systems. That said, each country provides public healthcare to all UK permanent residents that is free at the point of use, being paid for from general taxation. In addition, each also has a private sector which is considerably smaller than its public equivalent, with provision of private healthcare acquired by means of private health insurance, funded as part of an employer funded healthcare scheme or paid directly by the customer, though provision can be restricted for those with conditions such as HIV/
AIDS Human immunodeficiency virus infection and acquired immunodeficiency syndrome (HIV/AIDS) is a spectrum of conditions caused by infection with the human immunodeficiency virus (HIV), a retrovirus. Following initial infection an individual ...
. The individual systems are: * England:
National Health Service The National Health Service (NHS) is the umbrella term for the publicly funded healthcare systems of the United Kingdom (UK). Since 1948, they have been funded out of general taxation. There are three systems which are referred to using the " ...
(NHS) * Scotland:
NHS Scotland NHS Scotland, sometimes styled NHSScotland, is the publicly funded healthcare system in Scotland and one of the four systems that make up the National Health Service in the United Kingdom. It operates 14 territorial NHS boards across Scotland, ...
* Wales:
NHS Wales NHS Wales ( cy, GIG (Gwasanaeth Iechyd Gwladol) Cymru) is the publicly-funded healthcare system in Wales, and one of the four systems which make up the National Health Service in the United Kingdom. NHS Wales was formed as part of the public ...
* Northern Ireland: Health and Social Care (HSC) In England, funding from general taxation is channeled through NHS England, which is responsible for commissioning mainly specialist services and primary care, and Clinical Commissioning Groups (CCGs), which manage 60% of the budget and are responsible for commissioning health services for their local populations. These commissioning bodies do not provide services themselves directly, but procure these from NHS Trusts and Foundation Trusts, as well as private, voluntary, and social enterprise sector providers.


Regions with hybrid single-payer/private insurance systems


Australia

Healthcare in Australia is provided by both private and government institutions. Medicare is the publicly funded
universal health care Universal health care (also called universal health coverage, universal coverage, or universal care) is a health care system in which all residents of a particular country or region are assured access to health care. It is generally organized ar ...
venture in Australia. It was instituted in 1984 and coexists with a private health system. For example, Medicare covers all of the cost for an Australian citizen in a
public hospital A public hospital, or government hospital, is a hospital which is government owned and is fully funded by the government and operates solely off the money that is collected from taxpayers to fund healthcare initiatives. In some countries, this typ ...
, while it only covers 75% of the cost in a
private hospital A private hospital is a hospital not owned by the government, including for-profits and non-profits. Funding is by patients themselves ("self-pay"), by insurers, or by foreign embassies. Private hospitals are commonly part, albeit in varying degr ...
. Medicare is funded partly by a 2%
income tax An income tax is a tax imposed on individuals or entities (taxpayers) in respect of the income or profits earned by them (commonly called taxable income). Income tax generally is computed as the product of a tax rate times the taxable income. Ta ...
levy (with exceptions for low-income earners), but mostly out of general revenue. An additional levy of 1% is imposed on high-income earners without private
health insurance Health insurance or medical insurance (also known as medical aid in South Africa) is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance, risk is shared among m ...
. As well as Medicare, there is a separate Pharmaceutical Benefits Scheme that considerably subsidises a range of prescription medications. The
Minister for Health A health minister is the member of a country's government typically responsible for protecting and promoting public health and providing welfare and other social security services. Some governments have separate ministers for mental health. Coun ...
administers national health policy, elements of which (such as the operation of hospitals) are overseen by individual states.


India

India has a universal multi-payer health care model that is paid for by a combination of public and private health insurances along with the element of almost entirely tax-funded public hospitals. The public hospital system is essentially free for all Indian residents except for small, often symbolic co-payments in some services. At the federal level, a national health insurance program was launched in 2018 by the Government of India, called Ayushman Bharat. This aimed to cover the bottom 50% (500 million people) of the country's population working in the unorganized sector (enterprises having less than 10 employees) and offers them free treatment even at private hospitals. For people working in the organized sector (enterprises with more than 10 employees) and earning a monthly salary of up to Rs 21000 are covered by the social insurance scheme of
Employees' State Insurance Employees' State Insurance Corporation (abbreviated as ESIC) is one of the two main statutory social security bodies under the ownership of Ministry of Labour and Employment, Government of India, the other being the Employees' Provident Fund ...
which entirely funds their healthcare (along with pension and unemployment benefits), both in public and private hospitals. People earning more than that amount are provided health insurance coverage by their employers through the many public or private insurance companies. As of 2020, 300 million Indians are covered by insurance bought from one of the public or private insurance companies by their employers as group or individual plans. Unemployed people without coverage are covered by the various state insurance schemes if they do not have the means to pay for it. In 2019, the total net government spending on healthcare was $36 billion or 1.23% of its GDP. Since the country's independence, the public hospital system has been entirely funded through general taxation.


Israel

Healthcare in Israel is universal and participation in a medical insurance plan is compulsory. All
Israel Israel (; he, יִשְׂרָאֵל, ; ar, إِسْرَائِيل, ), officially the State of Israel ( he, מְדִינַת יִשְׂרָאֵל, label=none, translit=Medīnat Yīsrāʾēl; ), is a country in Western Asia. It is situated ...
i residents are entitled to basic health care as a fundamental right. The Israeli healthcare system is based on the National Health Insurance Law of 1995, which mandates all citizens who are residents of the country to join one of four official health insurance organizations, known as Kupat Holim (קופת חולים - "''Sick Funds''") which are run as not-for-profit organizations and are prohibited by law from denying any Israeli resident membership. Israelis can increase their medical coverage and improve their options by purchasing private health insurance. In a survey of 48 countries in 2013, Israel's
health system Health, according to the World Health Organization, is "a state of complete physical, Mental health, mental and social well-being and not merely the absence of disease and infirmity".World Health Organization. (2006)''Constitution of the World H ...
was ranked fourth in the world in terms of efficiency, and in 2014 it ranked seventh out of 51. In 2020, Israel's
health system Health, according to the World Health Organization, is "a state of complete physical, Mental health, mental and social well-being and not merely the absence of disease and infirmity".World Health Organization. (2006)''Constitution of the World H ...
was ranked third most efficient in the world. In 2015, Israel was ranked sixth-healthiest country in the world by Bloomberg rankings and ranked eighth in terms of life expectancy.


Spain

Building upon less structured foundations, in 1963 the existence of a single-payer healthcare system in Spain was established by the Spanish government. The system was sustained by contributions from workers, and covered them and their dependants. The universality of the system was established later in 1986. At the same time, management of public healthcare was delegated to the different
autonomous communities eu, autonomia erkidegoa ca, comunitat autònoma gl, comunidade autónoma oc, comunautat autonòma an, comunidat autonoma ast, comunidá autónoma , alt_name = , map = , category = Autonomous administra ...
in the country. While previously this was not the case, in 1997 it was established that public authorities can delegate management of publicly funded healthcare to private companies. Additionally, in parallel to the single-payer healthcare system there are private insurers, which provide coverage for some private doctors and hospitals. Employers will sometimes offer private health insurance as a benefit, with 14.8% of the Spanish population being covered under private health insurance in 2013. In 2000, the Spanish healthcare system was rated by the World Health Organization as the 7th best in the world. Spain's healthcare system ranks 19th in Europe according to the 2018 Euro health consumer index.


United States

Medicare in the United States is a public healthcare system, but is restricted to persons over the age of 65, people under 65 who have specific disabilities, and anyone with
end-stage renal disease Chronic kidney disease (CKD) is a type of kidney disease in which a gradual loss of kidney function occurs over a period of months to years. Initially generally no symptoms are seen, but later symptoms may include leg swelling, feeling tired, vom ...
. A number of proposals have been made for a universal single-payer healthcare system in the United States, among them the
Medicare for All Act The Medicare for All Act, aka the Expanded and Improved Medicare for All Act or United States National Health Care Act, is a bill first introduced in the United States House of Representatives by Representative John Conyers (D-MI) in 2003, with ...
originally introduced in the House in February 2003 and repeatedly since. On July 18, 2018, it was announced that over 60
U.S. House The United States House of Representatives, often referred to as the House of Representatives, the U.S. House, or simply the House, is the lower chamber of the United States Congress, with the Senate being the upper chamber. Together they ...
Democrats would be forming a Medicare for All Caucus. On March 17, 2021, exactly a year after
COVID-19 Coronavirus disease 2019 (COVID-19) is a contagious disease caused by a virus, the severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2). The first known case was identified in Wuhan, China, in December 2019. The disease quick ...
had appeared in every U.S. state, House Democrats introduced the Medicare for All Act of 2021 with 112 supporters. Advocates argue that
preventive healthcare Preventive healthcare, or prophylaxis, consists of measures taken for the purposes of disease prevention.Hugh R. Leavell and E. Gurney Clark as "the science and art of preventing disease, prolonging life, and promoting physical and mental hea ...
expenditures can save several hundreds of billions of dollars per year because publicly funded universal healthcare would benefit employers and consumers, that employers would benefit from a bigger pool of potential customers and that employers would likely pay less, would be spared administrative costs, and inequities between employers would be reduced. Prohibitively high cost is the primary reason Americans give for problems accessing health care. At over 27 million, the number of people without
health insurance Health insurance or medical insurance (also known as medical aid in South Africa) is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance, risk is shared among m ...
coverage in the United States is one of the primary concerns raised by advocates of
health care reform Health care reform is for the most part governmental policy that affects health care delivery in a given place. Health care reform typically attempts to: * Broaden the population that receives health care coverage through either public sector insu ...
. Lack of health insurance is associated with increased mortality – about sixty thousand preventable deaths per year, depending on the study. A study done at
Harvard Medical School Harvard Medical School (HMS) is the graduate medical school of Harvard University and is located in the Longwood Medical Area of Boston, Massachusetts. Founded in 1782, HMS is one of the oldest medical schools in the United States and is cons ...
with Cambridge Health Alliance showed that nearly 45,000 annual deaths are associated with a lack of patient health insurance. The study also found that uninsured, working Americans have a risk of death about 40% higher compared to privately insured working Americans. Backers of single-payer or Medicare for All note that minorities and the poor, as well as rural residents in general, are less able to afford private health insurance, and that those who can must pay high deductibles and co-payments that threaten families with financial ruin. Advocates have estimated a long-term savings amounting to 40% of all national health expenditures due to the extended preventive health care, although estimates from the
Congressional Budget Office The Congressional Budget Office (CBO) is a federal agency within the legislative branch of the United States government that provides budget and economic information to Congress. Inspired by California's Legislative Analyst's Office that manages ...
and ''
The New England Journal of Medicine ''The New England Journal of Medicine'' (''NEJM'') is a weekly medical journal published by the Massachusetts Medical Society. It is among the most prestigious peer-reviewed medical journals as well as the oldest continuously published one. Hi ...
'' have found that preventive care is more expensive due to increased utilization. Any national system would be paid for in part through taxes replacing insurance premiums, but advocates also believe savings would be realized through preventive care and the elimination of insurance company overhead and hospital billing costs. A 2008 analysis of a single-payer bill by
Physicians for a National Health Program Physicians for a National Health Program (PNHP) is an advocacy organization of more than 20,000 American physicians, medical students, and health professionals that supports a universal, comprehensive single-payer national health insurance program ...
estimated the immediate savings at $350 billion per year.
Physicians for a National Health Program Physicians for a National Health Program (PNHP) is an advocacy organization of more than 20,000 American physicians, medical students, and health professionals that supports a universal, comprehensive single-payer national health insurance program ...
(2008
"Single Payer System Cost?"
''PNHP.org''
The
Commonwealth Fund The Commonwealth Fund is a private U.S. foundation whose stated purpose is to "promote a high-performing health care system that achieves better access, improved quality, and greater efficiency, particularly for society's most vulnerable, includ ...
believes that, if the United States adopted a universal health care system, the mortality rate would improve and the country would save approximately $570 billion a year.


National policies and proposals

Government is increasingly involved in U.S. health care spending, paying about 45% of the $2.2 trillion the nation spent on individuals' medical care in 2004. However, studies have shown that the publicly administered share of health spending in the U.S. may be closer to 60% as of 2002. According to
Princeton University Princeton University is a private research university in Princeton, New Jersey. Founded in 1746 in Elizabeth as the College of New Jersey, Princeton is the fourth-oldest institution of higher education in the United States and one of the ...
health economist
Uwe Reinhardt Uwe Ernst Reinhardt (September 24, 1937 – November 14, 2017) was a professor of political economy at Princeton University and held several positions in the healthcare industry. Reinhardt was a prominent scholar in health care economics and a fr ...
, U.S. Medicare,
Medicaid Medicaid in the United States is a federal and state program that helps with healthcare costs for some people with limited income and resources. Medicaid also offers benefits not normally covered by Medicare, including nursing home care and pers ...
, and
State Children's Health Insurance Program The Children's Health Insurance Program (CHIP) – formerly known as the State Children's Health Insurance Program (SCHIP) – is a program administered by the United States Department of Health and Human Services that provides matching funds to ...
(SCHIP) represent "forms of '
social insurance Social insurance is a form of social welfare that provides insurance against economic risks. The insurance may be provided publicly or through the subsidizing of private insurance. In contrast to other forms of social assistance, individuals' ...
' coupled with a largely private health-care delivery system" rather than forms of "
socialized medicine Socialized medicine is a term used in the United States to describe and discuss systems of universal health care—medical and hospital care for all by means of government regulation of health care and subsidies derived from taxation. Because of ...
". In contrast, he describes the Veterans Administration healthcare system as a pure form of socialized medicine because it is "owned, operated and financed by government." In a peer-reviewed paper published in the ''
Annals of Internal Medicine ''Annals of Internal Medicine'' is an academic medical journal published by the American College of Physicians (ACP). It is one of the most widely cited and influential specialty medical journals in the world. ''Annals'' publishes content releva ...
'', researchers of the
RAND Corporation The RAND Corporation (from the phrase "research and development") is an American nonprofit global policy think tank created in 1948 by Douglas Aircraft Company to offer research and analysis to the United States Armed Forces. It is financed ...
reported that the quality of care received by Veterans Administration patients scored significantly higher overall than did comparable metrics for patients currently using United States Medicare. The
Medicare for All Act The Medicare for All Act, aka the Expanded and Improved Medicare for All Act or United States National Health Care Act, is a bill first introduced in the United States House of Representatives by Representative John Conyers (D-MI) in 2003, with ...
is a perennial piece of legislation introduced many times in the
United States House of Representatives The United States House of Representatives, often referred to as the House of Representatives, the U.S. House, or simply the House, is the Lower house, lower chamber of the United States Congress, with the United States Senate, Senate being ...
by then Representative
John Conyers John James Conyers Jr. (May 16, 1929October 27, 2019) was an American politician of the Democratic Party who served as a U.S. representative from Michigan from 1965 to 2017. The districts he represented always included part of western Detroit ...
(D-MI)."House Reps Introduce Medicare-for-All Bill"
''Becker's Hospital Review'', Feb. 14, 2013
The act would establish a universal single-payer health care system in the United States, the rough equivalent of Canada's Medicare, the United Kingdom's
National Health Service The National Health Service (NHS) is the umbrella term for the publicly funded healthcare systems of the United Kingdom (UK). Since 1948, they have been funded out of general taxation. There are three systems which are referred to using the " ...
, and
Taiwan Taiwan, officially the Republic of China (ROC), is a Country, country in East Asia, at the junction of the East China Sea, East and South China Seas in the northwestern Pacific Ocean, with the China, People's Republic of China (PRC) to the n ...
's Bureau of National Health Insurance, among other examples. The bill was first introduced in 2003 and has been reintroduced in each Congress since. During the 2009 health care debates over the bill that became the
Patient Protection and Affordable Care Act The Affordable Care Act (ACA), formally known as the Patient Protection and Affordable Care Act and colloquially known as Obamacare, is a landmark U.S. federal statute enacted by the 111th United States Congress and signed into law by Pres ...
, H.R. 676 was expected to be debated and voted upon by the House in September 2009, but was never debated. In the wake of Bernie Sanders' 2016 presidential campaign, in which a push for universal healthcare featured prominently, single-payer proposals gained traction. Conyers reintroduced his bill in the House of Representatives in January 2017. Four months later, the bill was supported by 112 co-sponsors, surpassing for the first time the 25% mark of co-sponsorship. In September of the same year, Sanders himself, together with 16 co-sponsors, introduced a Medicare-for-all bill in the
Senate A senate is a deliberative assembly, often the upper house or chamber of a bicameral legislature. The name comes from the ancient Roman Senate (Latin: ''Senatus''), so-called as an assembly of the senior (Latin: ''senex'' meaning "the e ...
(S. 1804). An analysis of a
Mercatus Center The Mercatus Center is an American libertarian, free-market-oriented non-profit think tank. Located at George Mason University and directed by the American economist Tyler Cowen, the Mercatus Center works with policy experts, lobbyists, and gove ...
study of the 2017 proposal by economist
Jeffrey Sachs Jeffrey David Sachs () (born 5 November 1954) is an American economist, academic, public policy analyst, and former director of The Earth Institute at Columbia University, where he holds the title of University Professor. He is known for his work ...
found that "it rightfully and straightforwardly concludes that M4A would provide more health care coverage at lower cost than the status quo, projecting a net reduction in national health expenditures of roughly $2 trillion over a 10-year period (2022-2031), while also enabling increased health care coverage." The
Congressional Budget Office The Congressional Budget Office (CBO) is a federal agency within the legislative branch of the United States government that provides budget and economic information to Congress. Inspired by California's Legislative Analyst's Office that manages ...
and related government agencies scored the cost of a single-payer health care system several times since 1991. The
Government Accountability Office The U.S. Government Accountability Office (GAO) is a legislative branch government agency that provides auditing, evaluative, and investigative services for the United States Congress. It is the supreme audit institution of the federal govern ...
published a report in 1991 noting that " the US were to shift to a system of universal coverage and a single payer, as in Canada, the savings in administrative costs 0 percent of health spendingwould be more than enough to offset the expense of universal coverage." The CBO scored the cost in 1991, noting that "the population that is currently uninsured could be covered without dramatically increasing national spending on health" and that "all US residents might be covered by health insurance for roughly the current level of spending or even somewhat less, because of savings in administrative costs and lower payment rates for services used by the privately insured." A CBO report in 1993 stated that " e net cost of achieving universal insurance coverage under this single payer system would be negative" in part because "consumer payments for health would fall by $1,118 per capita, but taxes would have to increase by $1,261 per capita" in order to pay for the plan. A July 1993 scoring also resulted in positive outcomes, with the CBO stating that, " the program was phased in, the administrative savings from switching to a single-payer system would offset much of the increased demand for health care services. Later, the cap on the growth of the national health budget would hold the rate of growth of spending below the baseline." The CBO also scored Sen.
Paul Wellstone Paul David Wellstone (July 21, 1944 – October 25, 2002) was an American academic, author, and politician who represented Minnesota in the United States Senate from 1991 until he was killed in a plane crash near Eveleth, Minnesota, in 2002. A me ...
's American Health and Security Act of 1993 in December 1993, finding that "by year five (and in subsequent years) the new system would cost less than baseline." A 2014 study published in the journal BMC Medical Services Research by James Kahn, et al., found that the actual administrative burden of health care in the United States was 27% of all national health expenditures. The study examined both direct costs charged by insurers for profit, administration and marketing but also the indirect burden placed on health care providers like hospitals, nursing homes and doctors for costs they incurred in working with private health insurers including contract negotiations, financial and clinical record-keeping (variable and idiosyncratic for each payer). Kahn, et al. estimate that the added cost for the private insurer health system in the US was about $471 billion in 2012 compared to a single-payer system like Canada's. This represents just over 20% of the total national healthcare expenditure in 2012. Kahn asserts that this excess administrative cost will increase under the Affordable Care Act with its reliance on the provision of health coverage through a multi-payer system. A February 2020 study published in ''
The Lancet ''The Lancet'' is a weekly peer-reviewed general medical journal and one of the oldest of its kind. It is also the world's highest-impact academic journal. It was founded in England in 1823. The journal publishes original research articles ...
'' found that the proposed Medicare for All Act would save 68,000 lives and $450 billion in national healthcare expenditure annually. According to a 2022 study published in the ''
Proceedings of the National Academy of Sciences of the United States of America ''Proceedings of the National Academy of Sciences of the United States of America'' (often abbreviated ''PNAS'' or ''PNAS USA'') is a peer-reviewed multidisciplinary scientific journal. It is the official journal of the National Academy of Scie ...
'', a single payer universal healthcare system would have saved 212,000 lives and averted over $100 billion in medical costs during the
COVID-19 pandemic in the United States The COVID-19 pandemic in the United States is a part of the worldwide pandemic of coronavirus disease 2019 (COVID-19) caused by severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2). In the United States, it has resulted in confirme ...
in 2020 alone. Roughly 16% of all COVID-19 deaths occurred in the US, despite having only 4% of the world's population.


State proposals

Several single-payer state referendums and bills from state legislatures have been proposed, but with the exception of
Vermont Vermont () is a U.S. state, state in the northeast New England region of the United States. Vermont is bordered by the states of Massachusetts to the south, New Hampshire to the east, and New York (state), New York to the west, and the Provin ...
, all have failed. In December 2014, Vermont canceled its plan for single-payer health care."Governor abandons single-payer health care plan"
, Associated Press, December 17, 2014


=California

= California attempted passage of a single-payer health system by initiative in 1994, as Proposition 186, which got 27% of the vote. Multiple legislative proposals have been proposed in the state legislature, one of the earliest by Senator Nicholas Petris. The first successful passage of legislation through the
California State Legislature The California State Legislature is a bicameral state legislature consisting of a lower house, the California State Assembly, with 80 members; and an upper house, the California State Senate, with 40 members. Both houses of the Legislatu ...
, SB 840 or "The California Universal Healthcare Act" (authored by Sheila Kuehl), occurred in 2006 and again in 2008. Both times, Governor
Arnold Schwarzenegger Arnold Alois Schwarzenegger (born July 30, 1947) is an Austrian and American actor, film producer, businessman, retired professional bodybuilder and politician who served as the 38th governor of California between 2003 and 2011. ''Time'' ...
vetoed the bill. State Senator Mark Leno has reintroduced the bill in the legislative session afterwards. On February 17, 2017, SB 562, which is also known as "The Healthy California Act" was introduced to the California State Senate. This bill is a $400 billion plan that was sponsored by the California Nurses Association to implement single-payer healthcare in California. Under this bill, which was co-authored by State Senators Ricardo Lara (D-Bell Gardens) and Toni Atkins (D-San Diego), Californians would have health coverage without having to pay any premiums, co-pays, or
deductible In an insurance policy, the deductible (in British English, the excess) is the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses. In general usage, the term ''deductible'' may be used to describe o ...
s. Under this proposed bill, all California residents will be covered in the Healthy California Act SB 562 regardless of their immigration status. This bill will also include transient students that attend California institutions who purchased their healthcare program through the school. Services that will be covered by this bill will need to be determined as medically necessary by the patient's chosen health care provider. These services will range from preventive services to emergency services, in addition to prescription drugs services. SB 562 passed in the State Senate on June 1, 2017, with a vote of 23–14. When the bill was sent to the State Assembly, it was put on hold by Assembly Speaker Anthony Rendon, who expressed concern over financing. According to SB 562, a Healthy California Trust Fund would be established to provide funding for the bill. Currently, states receive funding from the federal government for certain healthcare services such as
Medicaid Medicaid in the United States is a federal and state program that helps with healthcare costs for some people with limited income and resources. Medicaid also offers benefits not normally covered by Medicare, including nursing home care and pers ...
and Medicare. In addition to taxes, these funds would be pooled into the new
trust fund A trust is a legal relationship in which the holder of a right gives it to another person or entity who must keep and use it solely for another's benefit. In the Anglo-American common law, the party who entrusts the right is known as the " sett ...
and provide the sources of funding needed to implement The Healthy California Act. However, California must first obtain a waiver from the federal government which would allow California to pool all the money received from these federal programs into one central fund. A new bill, AB 1400, authored by Assemblymembers Ash Kalra, Alex Lee and Miguel Santiago was introduced in 2021, and is pending for 2022. In 2019, California Governor Gavin Newsom appointed a "Healthy California for All" (HCFA) commission to study the feasibility of adopting a universal health care system with unified financing, such as a single-payer system, in California.


=Colorado

= The Colorado State Health Care System Initiative, Amendment 69, was a citizen-initiated constitutional amendment proposal in November 2016 to vote on a single-payer healthcare system called ''ColoradoCare''. The system would have been funded by a 10% payroll tax split 2:1 between employers and employees. This would have replaced the private health insurance premiums currently paid by employees and companies. It would have begun operating in 2019 and was estimated to require revenue of $38 billion annually (from the Federal government and payroll taxes) and provide coverage for all residents, with no deductibles. The ballot measure was rejected by 79% of voters.


=Hawaii

= In 2009, the Hawaii state legislature passed a single-payer healthcare bill that was vetoed by Republican Governor
Linda Lingle Linda Lingle (''née'' Cutter; June 4, 1953) is an American politician, who was the sixth governor of Hawaii from 2002 until 2010. She was the first Republican governor of Hawaii since 1962. Lingle was also the state's first female and first J ...
. While the veto was overridden by the legislature, the bill was not implemented.


=Illinois

= In 2007, the Health Care for All Illinois Act was introduced and the Illinois House of Representatives' Health Availability Access Committee passed the single-payer bill favorably out of committee by an 8–4 vote. The legislation was eventually referred back to the House rules committee and not taken up again during that session.


=Massachusetts

= Massachusetts had passed a universal healthcare program in 1986, but budget constraints and partisan control of the legislature resulted in its repeal before the legislation could be enacted. Question 4, a nonbinding referendum, was on the ballot in 14 state districts in November 2010, asking voters, " all the representative from this district be instructed to support legislation that would establish healthcare as a
human right Human rights are moral principles or normsJames Nickel, with assistance from Thomas Pogge, M.B.E. Smith, and Leif Wenar, 13 December 2013, Stanford Encyclopedia of PhilosophyHuman Rights Retrieved 14 August 2014 for certain standards of hu ...
regardless of age, state of health or employment status, by creating a single payer health insurance system like Medicare that is comprehensive, cost effective, and publicly provided to all residents of Massachusetts?" The ballot question passed in all 14 districts that offered the question.


=Maine

= In June of 2021 LD 1045 became law without the signature of then-governor
Janet Mills Janet Trafton Mills (born December 30, 1947) is an American politician and lawyer serving as the 75th governor of Maine since January 2019. She previously served as the Maine Attorney General on two occasions. A member of the Democratic Party ...
. The law would establish a board called the Maine Healthcare Board which would be tasked to design, implement, and maintain a state health insurance plan called the Maine Healthcare Plan which would cover all residents of the state of Maine. However, neither the board of the Maine Healthcare Plan have been created because they are contingent on the passage of the federal legislation H.R.3775, the State-Based Universal Health Care Act. In 2020 Maine AllCare, a statewide chapter of
Physicians for a National Health Program Physicians for a National Health Program (PNHP) is an advocacy organization of more than 20,000 American physicians, medical students, and health professionals that supports a universal, comprehensive single-payer national health insurance program ...
organized as a 501(c)3, launched a 501(c)4 called Maine Healthcare Action to run a statewide ballot initiative directing the legislature to establish a universal, publicly-funded health care system that covers everyone in the state by 2024. The campaign needed 63,000 valid signatures from registered Maine voters to get on the 2022 ballot. The campaign was suspended in April of 2022 after collecting more than 41,150 signatures from voters across all 16 counties in Maine. In a blogpost Maine Healthcare Action said the reason was that they were not on track to collect the needed signatures by the June deadline.


=Minnesota

= The Minnesota Health Act, which would establish a statewide single-payer health plan, has been presented to the Minnesota legislature regularly since 2009. The bill was passed out of both the Senate Health Housing and Family Security Committee and the Senate Commerce and Consumer Protection Committee in 2009, but the House version was ultimately tabled. In 2010, the bill passed the Senate Judiciary Committee on a voice vote as well as the House Health Care & Human Services Policy and Oversight Committee. In 2011, the bill was introduced as a two-year bill in both the Senate and House, but did not progress. It has been introduced again in the 2013 session in both chambers.


=Montana

= In September 2011, Governor
Brian Schweitzer Brian David Schweitzer (born September 4, 1955) is an American farmer and politician who served as the 23rd Governor of Montana from 2005 to 2013. Schweitzer served for a time as chair of the Western Governors Association as well as the Democr ...
announced his intention to seek a waiver from the federal government allowing Montana to set up a single-payer healthcare system. Governor Schweitzer was unable to implement single-payer health care in Montana, but did make moves to open government-run clinics, and in his final budget as governor, increased coverage for lower-income Montana residents.


=New York

= New York State has been attempting passage of the New York Health Act, which would establish a statewide single-payer health plan, since 1992. The New York Health Act passed the Assembly four times: once in 1992 and again in 2015, 2016, and 2017, but has not yet advanced through the Senate after referrals to the Health Committee. On all occasions, the legislation passed the Assembly by an almost two-to-one ratio of support.


=Oregon

= The state of Oregon attempted to pass single-payer healthcare via Oregon Ballot Measure 23 in 2002, and the measure was rejected by a significant majority.


=Pennsylvania

= The Family Business and Healthcare Security Act has been introduced in the Pennsylvania legislature numerous times, but has never been able to pass.


=Vermont

= Vermont passed legislation in 2011 creating
Green Mountain Care In 2011, the Vermont state government enacted a law functionally establishing the first state-level single-payer health care system in the United States. Green Mountain Care, established by the passage of H.202, creates a system in the state whe ...
. When Governor
Peter Shumlin Peter Elliott Shumlin (born March 24, 1956) is an American politician from Vermont. A member of the Democratic Party, he served as the 81st governor of Vermont from 2011 to 2017. He was first elected to the office in 2010, and was reelected to a ...
signed the bill into law, Vermont became the first state to functionally have a single-payer health care system. While the bill is considered a single-payer bill, private insurers can continue to operate in the state indefinitely, meaning it does not fit the strict definition of single-payer. Representative Mark Larson, the initial sponsor of the bill, has described Green Mountain Care's provisions "as close as we can get o single-payerat the state level." Vermont abandoned the plan in 2014, citing costs and tax increases as too high to implement.


=Washington

= There have been multiple campaigns for statewide single payer in Washington state. In 2018 a 501(c)(4) called Whole Washington ran an initiative to the people (I-1600) for a statewide single payer plan called the Whole Washington Health Trust - they did not collect enough signatures to make it onto the ballot. Washington has also passed legislation to create a universal healthcare work group that is tasked with creating a statewide universal healthcare plan by 2026. In 2021, Senate Bill 5204, a legislative version of Whole Washington's ballot initiative, was introduced into the state legislature by Senator Bob Hasegawa. It has seven cosponsors, though it has never been introduced into the Washington House of Representatives.


Public opinion

Advocates for single-payer healthcare point out support in polls, although the polling is mixed depending on how the question is asked. Polls from Harvard University in 1988, the Los Angeles Times in 1990, and the Wall Street Journal in 1991 all showed strong support for a health care system comparable to the system in Canada. A 2001 article in the public health journal ''
Health Affairs ''Health Affairs'' is a monthly peer-reviewed healthcare journal established in 1981 by John K. Iglehart; since 2014, the editor-in-chief is Alan Weil. It was described by ''The Washington Post'' as "the bible of health policy". Abstracting a ...
'' studied fifty years of American public opinion of various health care plans and concluded that, while there appears to be general support of a "national health care plan", poll respondents "remain satisfied with their current medical arrangements, do not trust the federal government to do what is right, and do not favor a single-payer type of national health plan." Between 2001 and 2013, however, polling support declined.''Health Affairs'', Volume 20, No. 2. "Americans' Views on Health Policy: A Fifty-Year Historical Perspective." March/April 2001. A 2007
Yahoo Yahoo! (, styled yahoo''!'' in its logo) is an American web services provider. It is headquartered in Sunnyvale, California and operated by the namesake company Yahoo Inc., which is 90% owned by investment funds managed by Apollo Global Man ...
/AP poll showed 54% of respondents considered themselves supporters of "single-payer health care", and 49% of respondents in a 2009 poll for Time Magazine showed support for "a national single-payer plan similar to Medicare for all." Polls by
Rasmussen Reports Rasmussen Reports is an American polling company founded in 2003. The company engages in political commentary and the collection, publication, and distribution of public opinion polling information. Rasmussen Reports conducts nightly tracking, ...
in 2011 and 2012 showed 49% opposed to single-payer healthcare. In April 2019, a
Kaiser Family Foundation KFF (Kaiser Family Foundation), also known as The Henry J. Kaiser Family Foundation, is an American non-profit organization, headquartered in San Francisco, California. It prefers KFF since its legal name can cause confusion as it is no longer a ...
poll showed 56% of Americans favor "a national health plan, sometimes called Medicare-for-all", with support remaining steady over the previous two years. A majority of Democratic Party voters support Medicare for all. From 2010 to 2020, all House members who supported Medicare for All won reelection including those in Republican-leaning districts.


Advocacy groups

Physicians for a National Health Program Physicians for a National Health Program (PNHP) is an advocacy organization of more than 20,000 American physicians, medical students, and health professionals that supports a universal, comprehensive single-payer national health insurance program ...
, National Nurses United, the
American Medical Student Association The American Medical Student Association (AMSA), founded in 1950 and based in Washington, D.C., is an independent association of physicians-in-training in the United States. AMSA is a student-governed national organization.They have a membersh ...
, Healthcare-NOW!,
Public Citizen Public Citizen is a non-profit, progressive consumer rights advocacy group and think tank based in Washington, D.C., United States, with a branch in Austin, Texas. Lobbying efforts Public Citizen advocates before all three branches of the United ...
, and the California Nurses Association are among advocacy groups that have called for the introduction of a single-payer healthcare program in the United States. A 2007 study published in the ''
Annals of Internal Medicine ''Annals of Internal Medicine'' is an academic medical journal published by the American College of Physicians (ACP). It is one of the most widely cited and influential specialty medical journals in the world. ''Annals'' publishes content releva ...
'' found that 59% of physicians "supported legislation to establish national health insurance" while 9% were neutral on the topic, and 32% opposed it. In January 2020, The
American College of Physicians The American College of Physicians (ACP) is a national organization of internists, who specialize in the diagnosis, treatment, and care of adults.Sokanu "What is an Internist?" Retrieved October 20, 2014 With 161,000 members, ACP is the largest ...
endorsed the concept of single-payer system for the US and published a series of articles supporting this in the Annals of Internal Medicine.


See also

* All-payer rate setting * Health care reform debate in the United States * International comparisons of health care systems – tabular comparisons of the US, Canada, and other countries not shown above *
Medical deserts in the United States The United States has many regions which have been described as medical deserts, with those locations featuring inadequate access to one or more kinds of medical services. An estimated thirty million Americans, many in rural regions of the country ...
*
National health insurance National health insurance (NHI), sometimes called statutory health insurance (SHI), is a system of health insurance that insures a national population against the costs of health care. It may be administered by the public sector, the private sector ...
* Public health insurance option ("the public option")


Notes


References

{{DEFAULTSORT:Single-Payer Health Care Health economics Health care reform Publicly funded health care Universal health care