Post-payment is proposed as a supplement to current medical expense coverages. Under post-payment, a Blue Cross-Blue Shield Plan or insurance company would pay all of a policyholder's medical expenses, possibly excluding certain minor items. The individual would repay the insurer for the difference between total medical expenses and his prepayment benefits, such repayment being over several months or years if desired. The interest on “postpayment loans” would be lower than rates charged by commercial lending institutions. Bad-debt losses arising from post-payment could be offset by a low premium charge, discounting of bills, or through the interest charge. The post-payment recommendation presumes that purchasers of medical expense insurance will continue to be unwilling to pay the price for adequate prepayment coverage. Details concerning eligibility, benefits and premiums for postpayment are set forth. The implications of the new concept for insureds, insurers, hospitals, physicians and governmental programs are explored.