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WHAT IS MEDICAL INSURANCE?
Medical (or health) insurance is a type of insurance coverage that covers the cost of an insured individual's medical preventative and surgical expenses. Depending on the type of medical insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.
WHY MEDICAL COVERAGE?
Even if you are in good health, having medical insurance is important. You never know when you or your family member will get sick or hurt. The cost of basic care can quickly add up, but the cost for a major illness or injury can be devastating. Having good medical insurance provides you with an affordable way to get health care whenever you need it.
It's also the law. The affordable care act requires that most people have health insurance. If you don't have it, you may have to pay a penalty. If you think you can't afford it, you may be able to get help paying for it based on your household size and income.
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