The country's planners are debating how to provide healthcare to all. In a drastic shift from the 65-year-old public health system, the Planning Commission in the 12th Five Year Plan considers introducing an insurance scheme, which will allow a major role to private players. Will it work? Vibha Varshney in Delhi, Alok Gupta in Bihar and Aparna Pallavi in Andhra Pradesh examine how the existing health insurance schemes are faring. They find there is a lot to learn from their shortcomings and successes before a new model of healthcare delivery is prescribed