People whose sense of their own gender does not match the physical sex (male or female) they were assigned at birth. unintended negative consequences Unplanned, harmful effects of actions that had been expected to produce only benefits. universal coverage Health care systems that provide access to health care for all legal residents of a nation. utilization review A system in which insurance companies require doctors to get approval before ordering certain tests, performing surgery, hospitalizing a patient, or keeping a patient hospitalized more than a given number of days. validity The likelihood that a given measure accurately reflects reality and measures what researchers believe it measures. voluntary hospitals Hospitals that are financially based in voluntarism, or charity, rather than a profit motive. Same as nonprofit institutions. wealth The total financial resources an individual or family owns, including cash, houses, pensions, and investments, among other things. WHO See World Health Organization. World Health Organization (WHO) United Nations organization charged with documenting health problems and improving world health.