Some people think citizens should be totally responsible for their own health costs. Others think it is better to have a health care system which provides free health services for all. Discuss both these views and give your own opinion.
A much debated issue these days is whether citizens should take out private health insurance （买保险应该用take out）or not. In this essay, I argue that people who can afford it should be privately insured（私人保险）, but free medical care must be made available to those too poor to do so. 第一段背景导入，使用同义词替换，给出自己观点。从第一段就能看出下面各段的主要段意。
The most important reason for encouraging people to take out private health insurance is the cost to the government. Free health coverage for people who are able to pay for it is a waste of public money. Of course, people will only pay health insurance premiums（保险费） if they know that they are getting good value for their money. If they get sick, they will pay little or nothing at all. In addition, the privately insured are entitled to special benefits such as having the choice of their own doctors, and being able to avoid long waiting lists for hospital beds.
On the other hand, those who （主语从句）really cannot afford to pay private insurance premiums, which are often very high, should still be entitled as citizens to the best medical care available. They cannot be expected to pay their own medical bills. However, if they are working, they should still pay a percentage of their wages (for example 1% to 2%) as a tax which pays towards the cost of providing free medical services.
In conclusion, I think that most people should privately insure their health. But it is unreasonable to suppose that all citizens can afford it. Therefore, a safety net in the form of a basic free health care system must exist for the very poor and the unemployed.