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The provision of critical healthcare treatment is often regarded as a basic human right, regardless of whether the individual has the means to pay - and some forms of healthcare treatment cost more than a typical family's life savings.

Consumers, often lack the information or understanding to be able to rationally choose between alternative healthcare providers when they need treatment, particularly in urgent treatment.

The other major models are public insurance systems:
Social security healthcare model, where workers and their families are insuranced by the State.
National Health Service model, where the residents of the country are insured by the State.