The phrase "health insurance system" refers to the overall structure of how healthcare is financed and delivered in a particular country or region. Some synonyms for this phrase might include "healthcare financing system," which highlights the financial mechanisms that enable individuals and organizations to pay for medical care. Other potential options include "healthcare network," "medical coverage system," "health benefits structure," or simply "healthcare system." Each of these alternatives emphasizes slightly different aspects of how healthcare is provided, but all ultimately refer to the overarching infrastructure that supports access to medical services and protects individuals from financial ruin due to healthcare costs.