What type of insurance plan typically requires premiums to be paid regardless of usage?

Managed care plans typically require premiums to be paid regardless of usage because they operate on a structure that focuses on providing comprehensive health care services to members in exchange for a set fee. This means that enrollees must consistently pay their premiums to maintain access to the network of providers and covered services, even if they do not use the services within a given period.

The rationale behind this premium structure is to help cover the administrative costs of the health plan and to ensure that the plan has a pool of members contributing financially to sustain the network of providers and services. This model also encourages preventive care and regular access to health services, aligning with managed care's goal to improve overall health outcomes.

In contrast, indemnity and fee-for-service plans typically provide coverage based on the services used, which means that individuals may not incur costs if they do not seek care. Universal life insurance, while also requiring premium payments, is a form of permanent life insurance that includes a cash value component but is not focused on health care services like managed care plans.