UPSC CSE 2026 Essay Paper Discussion
GS Paper 2 10 marks · 150w 9 min Easy

Public health spending in India hovers below 2 percent of GDP against the National Health Policy 2017 target of 2.5 percent. Examine the consequences for equity and out-of-pocket expenditure.

Subtopic: Social Justice · Health

Model answer outline

How to structure your answer

Introduction: India's public health expenditure remains around 1.84 percent of GDP (NHA 2021-22), short of the 2.5 percent target set in the National Health Policy 2017 and the High Level Expert Group on UHC (2011) benchmark of 3 percent.

Body: Three dimensions — (i) Out-of-pocket expenditure has fallen from about 64.2 percent (FY15) to 39.4 percent (FY22) but still drives an estimated 6 crore Indians into poverty annually; (ii) State variation — Tamil Nadu and Kerala spend more than 1 percent of GSDP on health while Uttar Pradesh and Bihar spend less than 0.5 percent; (iii) Federal design — health is a State Subject (List II Entry 6); 15th Finance Commission's Health Sector Grant of Rs 70,051 crore (2021-26) routed via local bodies.

Way forward / Conclusion: Earmark a cess-funded Health Equity Fund, expand PM-ABHIM critical-care blocks and condition central transfers on primary-care strengthening.

Full model answer

Written within the word limit

138 words · target 150 words · 9 min

Introduction: India's public health expenditure stands at about 1.84 percent of GDP (NHA 2021-22) against the National Health Policy 2017 target of 2.5 percent and the HLEG on UHC (2011) benchmark of 3 percent.

Body: Three dimensions trace the consequences. First, out-of-pocket expenditure — falling from 64.2 percent (FY15) to 39.4 percent (FY22), it still drives an estimated 6 crore Indians into poverty annually, despite PM-JAY's secondary-tertiary cover. Second, State variation — Tamil Nadu and Kerala spend over 1 percent of GSDP on health, while Uttar Pradesh and Bihar spend under 0.5 percent, reproducing regional inequity under List II Entry 6 (State Subject). Third, federal design — the 15th Finance Commission's Health Sector Grant of Rs 70,051 crore (2021-26) is routed through local bodies, but absorption remains uneven and conditional grants under PM-ABHIM are slow-moving.

Conclusion: Earmark a cess-funded Health Equity Fund, expand PM-ABHIM critical-care blocks and condition central transfers on primary-care strengthening.

Key points

What an examiner expects to see

  • Public health expenditure about 1.84 percent of GDP (NHA 2021-22) against 2.5 percent NHP 2017 target
  • Out-of-pocket expenditure 39.4 percent of total health spend (NHA 2021-22), down from 64.2 percent in FY15
  • About 6 crore Indians pushed into poverty annually by health spending (WHO-NCAER 2021)
  • 15th Finance Commission Health Sector Grant Rs 70,051 crore (2021-26) routed via PRIs and ULBs
  • PM-ABHIM Pradhan Mantri Ayushman Bharat Health Infrastructure Mission (October 2021) — Rs 64,180 crore
  • Ayushman Arogya Mandirs (renamed HWCs) as primary-care backbone
  • Health a State Subject under List II Entry 6; insurance and ESI on Concurrent List
Examples to use

Concrete cases, schemes and judgments

  • National Health Policy 2017
  • PM-ABHIM (October 2021)
  • 15th Finance Commission Health Sector Grant
  • Ayushman Arogya Mandirs (formerly Health and Wellness Centres)
  • WHO Global Health Expenditure Database
Keywords / terms

Terminology to weave into the answer

health expenditureout-of-pocketNHP 2017PM-ABHIMHWCUHCFinance CommissionList II
Sources to read

Primary sources and verified references

National Health Accounts 2021-22 — NHSRC https://nhsrcindia.org/national-health-accounts-records National Health Policy 2017 — MoHFW https://mohfw.gov.in/sites/default/files/9147562941489753121.pdf PMJAY Ayushman Bharat — Anantam IAS https://anantamias.com/pmjay-ayushman-bharat/

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