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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.

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).

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.