This paper studies equity in health care financing in Zimbabwe with the objective of assessing a model which promotes universalism and equitable access to healthcare services. Design/Methodology/Approach: The research adopted a survey design in which questionnaires were used to collect data from knowledgeable individuals in the Bulawayo Metropolitan Province. A sample of 100 respondents comprising of 40 insurance practitioners, 30 insurance academics, 25 economist and 5 tax academics were targeted. Findings: The research findings revealed that out-ofpocket payment negatively affect equity in health care financing and government financing positively affect equity in health care financing. Practical Implications: The study also revealed that healthcare financing design should be in such a way that a public- private model of health care is used. The study indicated that those with wealth should subsidise the poor and the government should provide financing to health care

Keywords : Out of Pocket, Universalism, Healthcare System Financing