In summary, equity and efficiency are two major concerns in relation to financing health
care. Equitable access to health care should be fostered by focusing on responding to
health needs rather than the client's ability to pay. For example, bankruptcy is a
devastating consequence of paying medical bills. In order to achieve equity and
efficiency, health assessments should be made according to one's ability to pay. The
wealthy should pay more than the poor, and collected revenues should be pooled in
order to distribute health financing risks. This will allow revenue collected from the
wealthy to be cross subsidized to the poor.