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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.

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.

Purely private enterprise healthcare systems are comparatively rare. Where they exist, it is usually for a comparatively well-off subpopulation in a poorer country with a poorer standard of healthcare - for instance, private clinics for a small expatriate population in an otherwise poor country. But there are countries with a majority private healthcare system (liberal healthcare system) with residual public service (see Medicare, Medicaid).

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Harvard pilgrim healthcare