1. A method for an insurance company to provide insurance coverage to a subscriber, said method comprising; a) offering an insurance policy providing said insurance coverage to said subscriber, said insurance policy comprising; i. one or more allowances to pay for one or more covered expenses; ii. the accumulation of monetary credits in a personal care account assigned to said subscriber, said monetary credits being equal to the difference between the cost of a given covered expense and the allowance provided to pay for said covered expense; iii. a provision for said subscriber to cover the cost of at least a portion of an allowed expense using at least a portion of said accumulated monetary credits, said allowed expense being specified by said insurance policy; b) accepting the payment of a premium for said insurance policy, said step of accepting said payment of said premium being necessary for said insurance policy to be in force; wherein at least one of said steps is carried out at least in part by an information system.