Health Insurance

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It can also cover other healthcare services, such as dental and vision care, mental health services, and prescription medications. Health insurance can be purchased individually, provided by employers, or offered by government programs.

Purchased by individuals for themselves and their families.

 Provides flexibility in choosing coverage levels, doctors, and hospitals

 Provided by employers as part of employee benefits.

 Often includes comprehensive coverage with lower premiums due to group rates. Employers typically pay a portion of the premiums.

 A federal program for people aged 65 and older, and some younger individuals with disabilities.

A state and federal program providing health coverage for low-income individuals and families.

 Offers low-cost health coverage to children in families that earn too much money to qualify for Medicaid.

 Temporary coverage for a limited period, typically up to one year

Provides a safety net for those in transition, such as between jobs or awaiting other coverage.