That works well, although under-funded schemes often end up hitching a free ride, since premiums do not reflect a fund's riskiness.
And Medicare recipients are hard to retain, since they have greater freedom than those on employer-funded schemes to move out of managed care.
Working behind the scenes, Mr Norgrove has managed to get money into inadequately funded schemes when their sponsoring employers have changed hands or have been reshaped through acquisitions.
But this would push most industry-funded schemes into bankruptcy.
But that kind of energy and certainty has helped to galvanise a community which now has a chance to put itself in the fast lane while other areas wait for government-funded schemes to come up with the goods.
This means governments will cut the contributions individuals are required to pay into the existing system, along with the benefits paid out, leaving individuals and their employers to contribute to privately funded schemes (usually made more attractive by tax carrots).
Case in point: cold fusion, as well as other screwball free-energy schemes funded by corporations or governments.
Lushly funded final- salary schemes are now broadly closed to new members, in the private sector at least.
Thanks to some dubious accounting, a large number of such schemes have not been funded properly.
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It stressed that it was not enough to simply pass legislation - the new schemes needed to be funded properly.
Funded by the Welsh government, the schemes underway at the hospital will see several new units, in what the health board says is its biggest capital development.
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In plain English, this means that any investments in pump-priming infrastructure projects, including capital construction schemes, had to be funded by savings in government spending as a whole.
Instead, he suggested, the government would seek "contributions from beneficiaries to new schemes and other sorts of levy-funded operations".
Instead, new employees join defined-contribution schemes, which are much less generously funded.
Schools funded by the education authorities - the vast majority - which may have schemes of Devolved School Management.
It found that 17 schemes offered by Britain's top 100 companies were under-funded up from seven last year.
Habibie administration, former cooperatives and small business minister Adi Sasono launched 17 separate credit schemes for the benefit of cooperatives, small businesses and farmers, funded largely by central bank credits.
For example, the Pension Protection Fund (PPF) will provide some new protection for members of private sector defined benefit schemes, where the employer is insolvent and the scheme is under-funded.
All of these schemes - and a continued pursuit of smaller class sizes - will be funded by an increase in spending in education, promised by the prime minister at this election as at the last.
If pension schemes look bad, health-care liabilities are far worse, for they are not funded at all.
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