The market model of state welfare is based on the principle of:

individuals buying welfare privately, with some means-tested benefits
regular benefit payments to men as earners of the ‘family wage’
a universalist system of welfare for all, regardless of income
decommodifying social welfare through state provision
individuals buying welfare privately, with some means-tested benefits  There are two main types of social policy relating to the relationship between the market and state welfare. The market model is based on the idea of giving means-tested benefits selectively to those who are in most financial need, but only as a basic ‘safety net’: the majority of the population are expected to buy welfare from the state individually, for example through health insurance. The welfare state model, by contrast, suggests that the same benefits should be available to all, regardless of income. 587

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