Health care system is multifaceted because the system is characterised by variety of aspects. The system involves monitoring the services for social agencies. This process again involves wide range of services because it allows many social workers to coordinate their efforts. Many argue that the multifaceted nature of health care system takes into account high expenditure or the high cost of providing the health care facilities. Health care is financed in U.S through various programs. Financing in U.S is entirely different than other countries. This difference is due to the fact that U.S does not have its national health insurance plan. Government programs, self insured plans and insurance companies are some of the payers involved in financing. U.S does not have national insurance plan for its citizens like other countries but various public programs for the benefit of poor, disabled and elder people are organised. There are basically two approaches to health care financing namely: - Market based financing and government financing. Multiple payer health care system is funded by privately owned health insurance companies and is therefore called as market oriented. It is dependent upon the paying capacity of the beneficiary and accordingly the insurance plan is purchased by the beneficiary. Various health plans cover various health care services but choice depends upon the purchasing power of the beneficiary to a greater extent. Advantages and disadvantages of this system are described as follows:- Advantages:- 1. No time lags 2. Various plans according to the need and paying capacity of the beneficiary are available. 3. All health care services are covered. 4. Risk under this system is distributed at different levels. Disadvantages:- 1. Effect of job rotation and job loss on health coverage 2. Financial barriers in choosing amongst the multiple plans 3. Major health plans are designed to satisfy the needs of specific segments only; they do not cover all the segments. 4. Government sponsored health care system is not available for certain class of people. Major concerns about the health care reform in US are right to health care, access, fairness, efficiency, choice, value and quality. Many believe that the system does not repay the equivalent amount spent. The infant mortality rate is much higher is US. These issues are addressed through Patient Protection and affordable Care Act. The act aims at providing insurance to all Americans thereby reducing the total cost of health care. To increase the coverage rate subsidies and tax credits are to be provided to employers and individuals. Some argue in favour of national health care system while others are against the nationalised health care system. Arguments in favour of universal health care include the following:- 1. They are of the opinion that Health care is the right for all Americans as it is contained in the constitution 2. Even if one looses the job, he needs not to worry about the insurance under universal system. 3. Costs of health care will be reduced under universal system. This is due to the fact that under bulk purchases prices are negotiated at lower rates thereby reducing the costs of health care. 4. Out of pocket expenses would go down. Arguments against the Universal Health Care system include the following:- 1. It will not cover certain services in the national plan and therefore it will be necessary to obtain private insurance in addition to the universal health care. 2. Government will be the in charge of the system and many are of the opinion that government cannot be trusted for the social programs. 3. Child is not covered under the system which is a major disadvantage. The Health care reforms are really aimed at reducing the health care cost by implementing the universal system of health care. It also aims at providing the insurance coverage to every legal resident who is not covered by Medicare plans or employer provided plan. In addition to this the plan aims at providing the maternal plans and child care plans. Therefore it can be said that health care reform is addressing the issues about national health insurance provision.