evidence: There are several health insurance schemes sponsored by the central government targeted at employees in the formal sector and at civil servants. During his first term in office, Modi introduced the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (Prime Minister JAY), a health insurance scheme for the poor called "Modicare." In recent years, the scheme has faced criticism for not actually providing "free" health care. This is because it operates with fixed reimbursements to hospitals and doctors for specific categories of treatment but does not cover unexpected, higher costs related to comorbidities, among other factors. Other health insurance schemes include the Aam Aadmi Bima Yojana, the Employees’ State Insurance Scheme, and the Pradhan Mantri Suraksha Bima Yojana (PMSBY).