It may be purchased on a aggregation basis (e.g., by a firm to disguise its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to remedy protect themselves from altitudinous or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be armed through social welfare programs funded by the government.

Pre-paid health plans typically pay for a fixed number of services (for instance, $300 in preventive care, a certain number of days of hospice anxiety or care in a skilled nursing facility, a fixed number of home health visits, a fixed googol of spinal manipulation charges, etc.) The free school lunch offered are usually at the discretion of a utilization review nurse who is often contracted Affordable Health Insurance through the managed care entity providing the subscription health plan. This determination may be made either prior to or after hospital admission (concurrent utilization review).