[tag="," | tag=CC] [word=insured] [□=□] □
[tag="," | tag=CC] [word=insured] [lemma=□] □
[tag="," | tag=CC] [word=insured] [tag=□] □
Enrollees and insured persons are permitted to change primary care physicians at will , except that a managed care plan , health insurance policy or casualty insurance policy may restrict the enrollee or insured person to changing primary care physicians not more than twice in a 12-month period . Evaluation reveals that effective coverage and benefit levels are low , costs in the private programme are high , and insured persons are often not fully informed about how the system works .