What is a primary challenge of achieving universal health coverage?

Achieving universal health coverage faces many challenges, and high costs leading to financial hardship is one of the most significant. This challenge occurs because health care expenses can be prohibitively high for individuals and families, which may prevent them from accessing necessary services. When health care costs rise without sufficient income or financial support, it creates barriers to access, resulting in poorer health outcomes and increased financial strain on households.

Furthermore, high out-of-pocket costs can deter individuals from seeking timely medical care. This situation exacerbates health disparities, as those with lower incomes are disproportionately affected, thereby hindering the goal of universal health coverage that aims to ensure equitable access to health services for all. Addressing this challenge involves not only controlling health care costs but also implementing policies that protect individuals from the financial burdens associated with health care, such as implementing subsidized care or creating more comprehensive insurance programs.