1. A method for implementing an insurance plan for a group of people with rules to coordinate adjudication of a submitted claim corresponding to the plan, the plan including a people model and a benefit model combined by a plurality of policies, the method comprising the steps of: assigning inheritance of global attributes pertaining to people between at least two coupled people elements representing people of the group of people within the people model; assigning a policy model containing the plurality of policies, the model for assigning respective global priority to each of the policies in the policy model; setting a local priority for a selected policy of the policy model; and resolving conflicts in administering the insurance plan, by a computer processor through overrides, by making the local priority override the global priority of the selected policy as defined by the policy model; wherein overriding of the global priority with the local priority for the selected policy provides a rule set and associated benefits from the benefit model for adjudication of the submitted claim.