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Originally Posted by Little.Egret
Compare Ponzi scheme I suppose.
Yes, pension scheme, health scheme and so forth need have no such connotations in formal British English. Merriam-webster explains
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In the US we usually use the word "plan" for this kind of thing (pension plan, health plan, etc.) I tend to think of "scheme" as something perhaps more calculating, whereas a plan is a neutral description. GtrsRGr8 and I are both southerners so perhaps it is a regional thing.