Health Insurance has become a hot bottom issue in the United States over the past five years. Many Americans claim that it makes no sense for a leading economic power in the world to let its citizens go bankrupt due to illness or have the inability to afford to see a doctor, even when they have full time jobs. But changes in the Healthcare industry and reforms for the Health Insurance sector raises many questions about financing. We are aware that systems such as Medicare and other government safety needs are hardly sustainable, but there is also the risk of drastically increasing insurance premiums with the solutions that are more friendly towards the middle class. The problem has many American citizens keeping an eye on healthcare practices of other nations around the world to see what viable lessons can be taken away.

An Eye Towards Morocco

Morocco has recently taken this kind of reform seriously and responded by putting in place new laws that will alter their existing insurance and health financing practices. Two reforms in 2005 expand the healthcare industry in this region to the benefit of their citizens. Much like reform planned for the United States system, they have undergone a mandatory change. A pay-roll financed plan for both the private and public sector has extended health coverage from 16 percent of the population to 30 percent. The aim of the mandate addresses a particular concern that is growing rapidly in the United States: the gap between the wealthy and the poor.

Closing the Gap

By reducing disparities in the quality of healthcare received by individuals in the urban and rural areas, Morocco hopes to avoid costly economic concerns as its population increases, and the cost of illnesses rises. Financing health insurance through this kind of mandate is meant to strengthen the country's infrastructure and reduce the tension between classes. While it all sounds good on the surface, there is certainly going to be a challenge in this act's implementation. Like most developing countries, the government traditionally shouldered most of the weight for healthcare costs. Shifting these costs back onto the citizens equally is not likely to be a smooth transition.

Private Interest Versus The State

Previously, all citizens had access to public healthcare through the Ministry of Health. These services were financed by the general public budget. Private health insurance was optional and used by only about 16 percent of the population. People could choose either public or private centers to receive care. The majority choose to use private practitioners. The catch with the private system is that they tend to be geared towards only certain sectors of the population and are available based on occupation, income, and geographic location. This kind of policy essentially has them functioning based on what one might consider a caste system. The finance reform aims at changing these practices.

International dialogues have reflected support for the reforms in Morocco. The World Bank is financially supporting the reform by providing the economic foundation for the transition. The basic issue, much like that in America, is the State versus the private sector. But despite the competition between the two, both sides agree that these initial proceedings are necessary to insure greater solidarity and more reliable health services for the citizens of Morocco.