To cope with the potentially high costs of medical care, insurance policies provide some financial protection. Many individuals with insurance are covered under an employer-based plan (options offered and partially funded by their employer). Individual health insurance coverage, though more costly, can be obtained through some companies. Uninsured persons depend on their own ability to pay, qualifying for government insurance, or the care that physicians and institutions donate to those unable to pay. The March 14, 2007, issue of JAMA is a theme issue on access to health care.