Being an HMO cardholder is one of the necessities that workers can’t do without. Nowadays, there are a number of schemes created to help Filipinos meet the cost of health care. This article deals with various schemes that may provide health care financing for different sectors of the populace. Analysis indicates that commercial-indemnity insurance companies and HMOs cater to a fairly constricted market; meaning only 10 percent of the population can afford this type of insurance
