Health insurance is an agreement you make with an insurer to have them pay for some or all of your medical expenses in exchange for a premium. Having health insurance can keep you from incurring medical bills you can't afford to pay out of pocket.
Who Needs Health Insurance?
The simple answer is everyone. Health insurance can help to offset the costs of minor medical issues or major ones, including surgeries or treatment for life-threatening illnesses. But if you don't have health insurance, you won't be penalized for it under the terms of the Affordable Care Act.
How Do You Get Health Insurance?
If your employer offers health insurance as part of an employee benefits package, you may be covered by it. You can also purchase health insurance through the Health Insurance Marketplace. Certain individuals may qualify for health insurance coverage through Medicaid or Medicare programs.
How Much Does Health Insurance Cost?
Your costs for health insurance can vary based on the scope of coverage, the type of plan you have, and your deductibles. Copays and coinsurance can also add to the cost, so it's important to consider what you'll pay before enrolling in a healthcare plan.
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