You are the current intern for the senior Congressional leader for your home district. The Congressperson sits on the Healthcare Oversight Committee, which is deciding how much Congress should intervene in addressing the shortcomings in the healthcare system. S/He is deciding which way to vote on upcoming legislation to tackles those shortcomings.

You are tasked with assisting the Congressperson in determining how s/he should vote. Draft a short memo to the Congressperson addressing the following:

A. Briefly describe the major healthcare problems in the United States.

B. Present possible solutions that would address those healthcare problems.

C. Should the United States move to a universal healthcare system where everyone is insured, or should the United States continue with its current system?

Your response should also address the role insurance plays in the pooling of risks from multiple sources.