The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity. Health insurance is a guarantee that if any illness, operation or medical expensive will be covered for a premium plan. However, after reading chapter 30 of our text about health care, it became obvious that the proportion of total national income spent on health care has risen steadily since 1965 and will continue to rise if there are no remedies to fix some of the problems according to the U.S Department of Commerce.