Describe how health care financing in the United States may promote under access to health care services by some and over-utilization by others.Describe how health care financing in the United States may promote under access to health care services by some and over-utilization by others.Describe one critical change that could be made to alleviate this issue, and explain how and why it would be beneficial.Describe how health care financing in the United States may promote under access to health care services by some and over-utilization by others.Describe one critical change that could be made to alleviate this issue, and explain how and why it would be beneficial.