The term health insurance is generally used to describe a form of insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.
Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure (such as a monthly premium or annual tax) that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization, most often either a government agency or a private or not-for-profit entity operating a health plan.
Appearing before an audience in the early-voting state of Iowa, Clinton unveiled a plan that would require every American to have health insurance with federal assistance. She told the crowd that every "man, woman and child should have quality, affordable health care in America."
The only word I can give this is defiant. The Dems are trying to put through a bill that will effectively give about 4 million more kids the health insurance they need that their parents cannot now afford. All well and good so far.
“They would have to be half-dead before I would take them,” said Ms. Hall, a day care operator who could not afford private insurance.
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