Who Should Pay for Personal Care?
Every culture has its own type of health care funding. The payers tend to be one of the following:
Traditional Family-Based System
The traditional family-based system is based on nature with the husband working to generate the income. The wife will care for the children while the husband works. The husband is responsible for paying medical bills because he makes the money. This is the most ideal and sustainable system because 1) the payer controls the decision making process and 2) costs can be controlled. This remains the basic health care system for many countries.
Religious organizations, community groups and non-profit institutions realize that medical care is a public good requiring some common protection. This safety net would help with the basics, along with the preventative care of diseases and child birth. Over time, these groups funded their own hospitals and senior care facilities. Many of these charitable groups can concentrate on a specific disease more effectively than a government department.
In order to attract the best employees, businesses may offer health care for their employees. Individuals will pay a portion and the company will pay a portion of the health care coverage. Employee group plans can qualify for a more affordable coverage plan due to economies of scale.
The government is the final back-stop for health care. Its primary focus is to ensure that basic health care parameters or goals are met: nutrition, child development and disease prevention. Unfortunately, the government cannot pay for everything. It depends upon tax revenue for its services and during bad economic times, it has difficulties balancing its budget.