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.
There are currently some 47 million people in the United States without health insurance and the main reason given in a recent national survey was the high cost of insurance cover. But the cost of meeting your own medical bills without any form of health insurance is unthinkable for most people and so we have to find a solution somehow.
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"The Mexican Consulate and Easter Seals-Santa Maria El Mirador are sponsoring a enrollment event for low income families interested in signing up for free or low cost health insurance. The event is set for 9 a.m. to 2 p.m., Saturday, Oct. 13, at the Mexican Consulate..."
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