Globally, there is a trend towards planning for healthcare in a predictable manner through prepayment and participation in health insurance pools with managed care as the mode of healthcare delivery.This is done through one of the best HMOs in Nigeria called United Healthcare International Ltd. commonly employed to:1. Provide affordable and efficient health services2. Improve quality of healthcare3. Increase access to healthcare, and finally4. Advance the health of enrolled populations, employee groups, communities, states and countries