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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.

A healthcare system is the organization by which an individual's health care is provided. From an economic perspective, healthcare may be viewed as just another product or service to be purchased by an individual, however, healthcare has many special characteristics that encourage government intervention to a greater or lesser extent: