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Health insurance is a form of coverage that helps protect individuals from high medical costs by covering a portion of their medical expenses. It typically includes coverage for a variety of health services, such as doctor visits, hospital stays, surgeries, prescription medications, and preventive care like vaccinations and screenings. Health insurance policies can vary widely in terms of coverage, cost, and providers, and individuals usually pay monthly premiums, with additional out-of-pocket costs like deductibles, co-pays, or co-insurance depending on the specific plan. Having health insurance can reduce the financial burden of unexpected health issues, ensuring access to necessary medical care when needed.
In many countries, health insurance is offered through employers, government programs, or private providers. Public health insurance systems, like Medicare and Medicaid in the United States, offer coverage for specific populations such as the elderly, low-income individuals, or people with disabilities. Private health insurance can provide more flexibility in terms of plan choices, but it often comes at a higher cost. The primary goal of health insurance is to make healthcare more affordable and accessible, ensuring that individuals can receive appropriate treatment without facing overwhelming financial strain.
