In order to reduce health disparities policy makers need to focus on policies that prioritize preventative medicine and providing need-based care. Preventative medicine has been proven to be cost effective in the long run, unfortunately insurance companies and individuals don't understand this cost/benefit analysis and current policy is outdated. Insurance companies have no reason to prioritize preventative medicine because they aren't guaranteed to cover an individual long enough to reap the benefit. The average lay person doesn't understand the value of preventative medicine, and even if they do they often brush it off or have issues of access. And today's policies are outdated and need to be updated to demand higher levels of preventative medicine as a standard of care. 

Policies that mandate need-based care are necessary in order to reduce health disparities. The health needs and healthcare access of different communities are highly varied. Unfortunately this means that addressing disparities demands community based solutions that are more difficult to implement than standard policies.