What is the definition of Plans Health Insurance?

"Plans health insurance is like deciding in advance who's going to get the free pizza after a workout, but instead of that, it's deciding who gets paid and who gets stuck with the bills for every unexpected medical emergency."

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Now, here's an unsettling example: "The doctor suggested they go for a 'plans health insurance' consultation, but the real question on their mind wasn't about catching flu but about who would owe more for that latest gym membership."