Key traits of Bismarck health care systems Universal insurance: All or nearly all of the population has health insurance coverage,either through a plan sponsored by an employer or through the government. No one is denied access to insurance based on inability to pay or poor health status. Community rating Regulated,private health care provision Bhattacharya,Hyde and Tu-HealthEconomics Bhattacharya, Hyde and Tu – Health Economics Key traits of Bismarck health care systems Universal insurance: All or nearly all of the population has health insurance coverage, either through a plan sponsored by an employer or through the government. No one is denied access to insurance based on inability to pay or poor health status. Community rating Regulated, private health care provision