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Today, health care costs are rising but, at the same time, the funding of the health care system stumbles. At any rate, the funding of health care system fails to catch up with galloping health care costs. In such a situation, many Americans have already lost the possibility to purchase health care insurance or participate in a health care plan because they just cannot afford paying for their health insurance and covering their health care costs. Obviously, the inability of a large part of Americans to pay for health care services and rising health care costs raise the problem of the effective use of funds and increase of spending on health care system. However, insurance companies and citizens alone cannot increase spending on health care system substantially. In such a situation, the assistance from the part of the government is essential, while, in the future, health care costs can rise even more that makes the public funding of health care system and state support of health care system essential for provision of health care services to all Americans because today health care services are not a sort of privilege but it is a social good that should be available to all Americans, regardless of their socioeconomic status.
THE LEVEL OF CURRENT HEALTH CARE EXPENDITURES
Today, the funding of the US health care system is second high among the UN and comprises 16% of GDP. In such a situation, the level of current health care expenditures is high and they tend to increase even more. At the same time, health care services are still not available to a considerable part of Americans, whereas health care services are available to insured Americans only, who can afford paying for their health care services.
In this regard, it is worth mentioning the fact that health care costs keep rising and they also stimulate the rise of health care expenditures of the US. The rising health care expenditures naturally raise the problem of their funding because, as it has been just mentioned above, the number of Americans, who can afford health care insurance decreases rapidly.
THE SPENDING IS TOO HIGH
Therefore, the spending of the US on health care system is too high at the moment. However, the main problem of the US health care system is the ineffective use of funds available to the health care system. To put it more precisely, the exorbitant health care costs rise spending on health care services and make them unavailable to a considerable part of Americans. As a result, health care services become a privilege available to the rich only, whereas the large part of Americans cannot afford paying for health care services. Obviously, in such a situation, health care costs are too high that naturally increases health care spending. Consequently, the US needs to develop an effective health care system, where health care costs are balanced, while the use of health care funds is effective. The existing system has proved to be inefficient because health care organizations and insurance companies attempt to maximize their profits. As a result, rising health care costs and health insurance can become unaffordable for a considerable part of Americans but they cannot pay for their health insurance.