Does Jewish law mandate universal health care?
The short answer is “yes” -- but the details are a bit complicated.
First, let me acknowledge that, in answering this question, I am indebted to the work of Rabbi Jill Jacobs, who devotes an entire chapter of her book, There Shall Be No Needy: Pursuing Social Justice Through Jewish Law & Tradition (Jewish Lights: 2009) to Jewish perspectives toward the provision of health care.
Second, let me issue a qualification: Jewish law arose in an age long before antibiotics, modern surgical procedures, … and health insurance. It is always difficult to apply specific rulings from the past to present circumstances, and the law in this area is no different. What we can do, though, is to examine the values underlying the relevant Jewish texts, and apply those values to the contemporary reality in which we live.
When we do that, it seems clear to me that Jewish law would support requiring everyone to obtain health insurance.
Here’s why: Judaism imposes an obligation on each and every one of us to care for the others among whom we live. If they are poor, we are obligated to provide them with food, clothing, and shelter. That much is clear, and uncontroversial.
But we are also obliged to provide the poor with medical care.
Where does that obligation come from? Some say it comes from the mitzvah (Jewish religious obligation) not to “stand idly by the blood of your neighbor” (Leviticus 19:16); others derive it from the mitzvah (stated in Deuteronomy 22:1-3) to return lost property. We are told that we are obligated to return not only a person’s donkey or garment, but “anything belonging to your fellow human being which he has lost and you have found.” (Deut. 22:3, emphasis added) That word “anything” is interpreted to obligate us to restore even a person’s health -- should it be possible for us to do so.
Moreover, not only individuals, but the community as a whole has this obligation. “Jewish legal texts impose on the community an obligation to provide financial and other resources for the ill.” (Jacobs, p. 171) A prominent 20th century Israeli legal authority, Rabbi Eliezer Waldenberg, stated the following:
It has been enacted that in every place in which Jews live, the community sets aside a fund for care of the sick. When poor people are ill and cannot afford medical expenses, the community sends them a doctor to visit them, and the medicine is paid for by the communal fund. The community gives them food appropriate for the ill, day by day, according to the directions of the doctor. (Tzitz Eliezer 5:4) (quoting Rabbi Rafael Mordechai Malchi; Jacobs, p. 171-172)
And the poor who are to be cared for are not just the Jewish poor. A medieval authority, Rabbi Nissim of Gerona (Barcelona, 1320-1380) noted that health care funds are specifically designated for the “poor of the world” and not only for the “poor of the city.” Thus, when it comes to providing health care for the indigent, a community must offer help to all who are in need, regardless of their ethnicity, religion, or nationality.
Therefore, we can say that if a government today were to care for its citizens in accordance with Jewish law, it would be required to provide health care to all – regardless of their ability to pay.
The U.S. federal government has recently chosen to do that by means of the insurance system that the vast majority of Americans use to pay for their medical expenses. By mandating (i.e., requiring) universal coverage, the government hopes to distribute the cost among everyone of providing medical care for the poor. The government could have chosen a different approach to fund universal coverage, but I see nothing in this approach inconsistent with Jewish law.
To conclude, Jewish law imposes on us as individuals and on the society in which we live the obligation to provide medical care to all. One acceptable means of doing this is to mandate all of us to purchase health insurance, thereby distributing the cost of this communal burden among the entire population.