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Information About Health Insurance

What is a Health Insurance?

It's a fact of life you need health insurance and the time to get it is before you have an accident, suffer a serious illness, or discover you're pregnant. Insurance doesn't cover health care for

medical problems or conditions that start before the moment you have your policy.

Why Do I Need Health Insurance?

It is very important to get health insurance for yourself and members of your family. Insurance helps to protect you from high health care costs, especially those related to chronic medical conditions or the need for hospitalization.

You should get health insurance for the same reason that you have auto insurance or homeowners insurance

to protect your savings and income.

How Do I Get Health Insurance?

Depending on your age, job status, and financial condition, there are many ways that you can get health insurance, including:

Health insurance provided by an employer. Most large companies in the U.S. provide health insurance as an employee benefit. You may be required to pay some portion of the monthly premium, or cost of the health insurance.

•Health insurance that you purchase on your own. If you are self-employed or work for a small company that does not provide health insurance, you will need to buy it on your own.

•Health insurance provided by the government. If you are 65 or older, disabled, or have little or no income, you may qualify for health insurance paid for by the government, such as Medicare and Medicaid

How Do I Choose a Health Plan?

There are many factors to consider when choosing health insurance. These factors may be different if you are

choosing one of several employer health plan options or buying your own health insurance.

Suggested Reading

•Tips to Save Money on Health Insurance

•How to Find a Private Health Insurance Plan

Understanding Health Reform

•Health Insurance Coverage Mandate

•How Will Health Reform Affect Me?

Related Articles

•Cost of Health Insurance - Has the Cost of health Insurance Effected You?

•Save Money on Health Insurance - Tips to Save Money on Health Insurance

•Health Insurance Premiums - Are Health Insurance Premiums Tax-Deductible

Guide to Health Insurance

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Information About Health Insurance

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