IndividualMedisaveIt is a saving scheme whereby money from a worker’s CPF is placed into this account every month.Can only be used for certain medical bills.The money inside this account varies with age and income.Help individuals independently save for health, reducing government’s burden.Ensures employees contribute to health of workers.Includes coverage for long-term treatment and help poor to afford basic healthcare.The unemployed cannot contribute.Hard to monitor if self-employed contributes.Low income people may have problems contributing.Does not include converage for all treatments.MedishieldA national healthcare insurance scheme which supplements Medisave.Help individuals independently save for health, reducing government’s burden.Benefits poor and rich as it cover all wards.Optional, and various premiums like Medisave Plus are also available.Costs are rising.Dependent on Medisave accounts, affecting poorDoes not include 20% of bill without Medisave PlusGovernmentMediFundGovernment subsidies collected from taxes are given to medical centres to keep healthcare affordable for Singaporeans. Class C wards are also heavily subsidized by the government and hospitals are restructured to cut the cost. Another type of Government Subsidy mainly for the poor is MediFund, which is a sum of $200 million given to subsidized and poor patients in B2/C wards, poor and unemployed and Voluntary Welfare Organizations.Government helps the very poorHigh rates of successful applications (97%)Interest earned can be given to public hospitals to help needy.No coverage for A & B1 class wardsEligibility decided on case-by-case basis.Excludes many hospital treatments.Means TestingThis is the issue whereby government subsidies should benefit the poor who need it most. The resources should be allocated well, with the poor receiving the most subsidies. The amount of subsidy depends on the individual, the higher the income level, the lesser the subsidy.Government cares for the poor.About 60% of Singaporeans get full subsidy, regardless of income level.Rich feel that it may be unfair.Some individuals with special cases like many dependents disadvantaged.Healthy LifestyleThis is one way to overcome the rising cost of healthcare. The government can do this through advertisements and public campaigns. In addition schools and workspaces have programmes that promote healthy lifestyle.CommunityCommunityIt is important that the government have to work with the community as it alone cannot run all the healthcare services. The government can then give grants to Voluntary Welfare Organisations to help run medical centres like nursing homes and hospitals.