Which type of insurance aims to provide every individual access to health coverage?

Universal health insurance is a system designed to ensure that every individual has access to health coverage, regardless of their financial situation or employment status. This type of insurance operates on the principle that health care is a right, and as such, it aims to eliminate barriers that might prevent people from receiving necessary medical services.

In a universal health insurance model, the government or a designated authority typically plays a significant role in providing or regulating health insurance, ensuring that healthcare services are available to everyone in the population, often funded through taxes. This contrasts with other models, which may focus primarily on specific demographics or require private insurance options that can leave gaps in coverage.

While socialized medicine involves government ownership of healthcare facilities and services, which can lead to universal access, the terminology differs. The single-payer plan simplifies the funding process but does not necessarily imply universal coverage unless it explicitly includes all citizens. Public health insurance generally refers to government-funded programs that may not encompass the entire population, potentially leaving some individuals without coverage. Hence, universal health insurance stands out as the most comprehensive approach aimed directly at providing health coverage for all individuals.