Coverage, however, is far from universal. In 2005, only slightly more than half of employees registered urban residents and only 15% and 36% of unofficial rural and urban employees had cover - a total coverage rate of just over 40% of the urban working population (excluding those engaged in agriculture). This scheme, together with the rural system, covered just a quarter of health care expenses in 2001. Outpatient costs are met through the individual’s medical saving account.