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A personal computer (PC) is a computer whose original sales price, size, and capabilities make it useful for individuals, intended to be operated directly by an end user, with no intervening computer operator. A personal computer may be a home computer, or may be found in an office, often connected to a local area network. The distinguishing characteristics are that the computer is used only (or mostly) by one person at a time, in a very interactive fashion. This is opposite to the batch processing or time-sharing models which allowed large expensive systems to be used by many people, usually at the same time, or large data processing systems which required a full-time staff to operate efficiently. The capabilities of a personal computer have changed greatly since the introduction of electronic computers. By the early 1970s, people in academic or research institutions had the opportunity for single-person use of a computer system in interactive mode for extended durations, although these systems would still have been too expensive to be owned by a single person. The introduction of the microprocessor, a single chip with all the circuitry that formerly occupied large cabinets, lead to the proliferation of personal computers after about 1975. Early personal computers generally called microcomputers, sold often in kit form and in limited volumes, and were of interest mostly to hobbyists and technicians. By the late 1970s, mass-market pre-assembled computers allowed a wider range of people to use computers, focusing more on software applications and less on development of the processor hardware. Throughout the 1970s and 1980s, home computers were developed for household use, offering personal productivity, programming and games. Somewhat larger and more expensive systems (although still low-cost compared with minicomputers and mainframes) were aimed for office and small business use. Workstations are characterized by high-performance processors and graphics displays, with large local disk storage, networking capability, and running under a multitasking operating system. Workstations are still used for tasks such as computer-aided design, drafting and modeling, computation-intensive scientific and engineering calculations, image processing, architectural modelling, and computer graphics for animation and motion picture visual effects. Eventually the market segments lost any technical distinction; business computers acquired color graphics capacity and sound, and home computers and game systems used the same processors and operating systems as office-bound computers. Mass-market computers had graphics and memory comparable to dedicated workstations of a few years before. Even local area networking, originally a way to allow business computers to share expensive mass storage and peripherals, became a standard feature of a home computer. Today a personal computer may be a desktop computer, a laptop computer, or a tablet computer. The most common operating systems are Microsoft Windows, Mac OS and Linux, while the most common microprocessors are the x86 and PowerPC CPUs. Software applications for personal computers include word processing, spreadsheets, games, and a myriad of personal productivity and special-purpose software. Modern personal computers often have high-speed or dial-up connections to the Internet, allowing access to the World Wide Web and a wide range of other resources. While early personal computer owners usually had to write their own programs to do anything useful with the machines, today's users have access to a wide range of commercial and free software which is easily installed. PC Prescription drug plans are a form of insurance offered through many employer benefit plans in the US, where the patient pays a co-payment and the prescription drug insurance pays the rest. Ethiopia Health insurance companies also often have a network of providers who agree to accept the reasonable and customary fee and waive the remainder. Europa Island It will generally cost the patient less to use an in-network provider. Falkland Islands (Islas Malvinas) Health plan vs. Faroe Islands health insurance Fiji Historically, HMOs tended to use the term "health plan", while commercial insurance companies used the term "health insurance". Finland A health plan can also refer to a subscription-based medical care arrangement offered through health maintenance organization, HMO, PPO, or POS plan. France These plans are similar to pre-paid dental, pre-paid legal, and pre-paid vision plans. French Guiana ) The services offered are usually at the discretion of a utilization review nurse who is often contracted through the managed care entity providing the subscription health plan. French Polynesia This determination may be made either prior to or after hospital admission (concurrent utilization review). French Southern and Antarctic Lands Inherent problems with insurance Gabon Some national systems with compulsory insurance utilize systems such as risk equalization and community rating to overcome these inherent problems. Gambia, The
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Co-payment: The amount that the policy-holder must pay out of pocket before the health plan pays for a particular visit or service. Bangladesh The term health insurance is generally used to describe a form of insurance that pays for medical expenses. Barbados It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. Bassas da India It may be provided through a government-sponsored social insurance program, or from private insurance companies. Belarus It may be purchased on a group basis or purchased by individual consumers. Belgium In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Belize Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government. Benin Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement. Bermuda The benefit is administered by a central organization, most often either a government agency or a private or not-for-profit entity operating a health plan. Bhutan In the United States, car insurance is compulsory in most states, though enforcement of the requirement varies from state to state. Bolivia The state of New Hampshire, for example, does not require motorists to carry liability insurance, while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance. Bosnia and Herzegovina Penalties for not purchasing car insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. Botswana Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.