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Hi Nora,
If your business model uses B2C model then you can go with person accounts. It's all depends on the consultant how does he want to implement the data model.
These link might be helpful for you.
http://salesforce.stackexchange.com/questions/2128/when-should-one-use-person-accounts
https://www.shellblack.com/consulting/people-are-people-in-salesforce/
https://www.salesforce.com/blog/2015/09/salesforce-health-cloud.html
Kind Regards,
Naval
