Do we need to have health insurance system? what are the advantages and disadvatages?

do we need to have a health insurance system and why?
how to apply a health insurance system avoiding the mistakes in the USA system.
paper should talke about health insurance principles, premium co-payment detuctabe. talking about how insurance can improve the quality in hospital due to competetion and reduce the waste of our resources and how we can deal with market faliure.

the paper should ppaer in the follwing format
TITLE PAGE
1-proposal question
2abstract
3-INTRODUCTION AND BACKGROUND
4-litrature reviwe and background
5objectives from proposal and main goal
6methodology
7-findings and conclusion
8policy and recommendations
9refferences