In British Columbia, the Liberal–Conservative coalition government introduced a hospital insurance plan in 1948. Initially using individual and group registration through either “pay direct” premiums or employer-based deductions, the British Columbia Hospital Insurance Service plan soon ran into difficulties. One plan member changed jobs 12 times within a single year and many other resource workers moved frequently, seeking seasonal employment. Such changes caused administrative difficulties that affected individuals and hospitals: some people who had not paid their premiums received care, while others who had paid up were charged for hospital treatment. And many hospitals found themselves facing a deficit when they were not reimbursed by the British Columbia Hospital Insurance Service plan for care they had provided. In response to these problems, the British Columbia Hospital Insurance Inquiry Board was set up and, following its report in 1951, the plan was amended in 1952 and co-insurance charges were introduced to help pay for hospital deficits.