Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (abb. AB PM-JAY, translation: Longeval India Prime Minister's People's Health; also referred to as Ayushman Bharat National Health Protection Scheme abb. NHPS) of the Government of India is a national health insurance scheme of the state that aims to provide free access to healthcare for low income earners in the country. Roughly, the bottom 50% of the country qualifies for this scheme. People using the program access their own primary care services from a family doctor. When anyone needs additional care, then PM-JAY provides free secondary health care for those needing specialist treatment and tertiary health care for those requiring hospitalization.