health care

Health care insurance is 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.

How Can I Save Money on Healthcare?

For most of us, the ways to go about saving money on healthcare expenses aren't always obvious. We don't see doctors offering coupons. Or hospitals that hold Presidents Day sales. And there's no such thing as free demonstrations for do-it-yourself surgeries.

Health Care Reform Myths Vs. Realities

Myth: Higher health care costs are the result of continually rising insurance premiums, inflating the price of health care.

Just the opposite is true. Because insurance is a means of financing health care, premiums have to track the underlying cost of health care services. Those underlying costs have been rising and insurance premiums have simply kept pace.

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