Health Insurance

Health insurance provides financial protection against medical expenses and helps individuals and families access necessary healthcare services. It covers a wide range of medical needs, including doctor visits, hospital care, prescription medications, preventive services, and emergency treatment. By paying a monthly premium, policyholders reduce the risk of high out-of-pocket costs during illness or injury.

Health insurance plans vary in coverage, cost, and provider networks. Common types include employer-sponsored plans, individual and family plans, and government-supported programs. Each plan may include deductibles, copayments, and coinsurance, which affect how medical costs are shared between the insurer and the insured.

Preventive care is a key benefit of health insurance, often covering routine checkups, vaccinations, and screenings at little or no cost. These services help detect health issues early and promote long-term wellness.

Overall, health insurance offers peace of mind by ensuring access to quality care while protecting individuals from unexpected financial burden.