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Universal healthcare refers to a system where a government ensures all citizens have access to medical services, typically funded through taxes rather than individual insurance premiums. The United States currently relies on a mixed system combining private insurance, employer-sponsored coverage, and government programs like Medicare and Medicaid, leaving millions uninsured or underinsured. The debate centers on whether the U.S. should adopt a single-payer or heavily regulated universal system like those in Canada, the UK, or Germany, balancing concerns about cost, quality, wait times, and government's role in healthcare.