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Health insurance is an insurance which covers the part or whole of the risk of person which incurs medical expenses and spreads the risk over large number of persons. By the estimation of overall risk of health care and health systems expenses over the risk pool, an insurer can develop a routine finance structure which includes payroll tax or monthly premium for the provision of money for the health care benefits that are specified in the insurance agreement. The benefit is administered by central organization such as private business or government agency. 

Health insurance covers dental, medical and vision care for almost every single person of the family. Health insurance providers answers all your basic queries such as the meaning of Affordable Care Act, applying for government subsidy, how much health coverage is needed by one person, how to compare different benefits and costs, when you should actually enroll and what plan is qualified by you. 

Having health insurance is important for many different reasons. Those who are not insured receive less medical and less timely care, as they have worse health outcomes and lack of insurance becomes an increased burden for them. The benefits of expanding coverage outweigh the costs for additional services. The safety-net care from hospitals and clinics helps in enhancing the care but it never substitutes the health insurance. 

But in USA, health insurance coverage is seen somewhat differently with the exception of some groups such as disabled or elderly people, it is the responsibility of an individual to get insured.

There are two types of health insurance:

Private health insurance

According to CDC (Centers for Disease Control and Prevention), US health care system is heavily dependent on the private health insurance. Almost 58% of Americans have some type of private health insurance coverage.

Public health insurance

This is s type of health insurance whose premiums need to be collected, though the coverage is always provided by the state. But National Health Service is always not a type of health insurance which provides free medical services for all its citizens, but it does not collect premiums.

You can request health insurance quotes online if you want to avail health insurance services from some reliable insurance company. You can also request free health insurance quotes for availing reliable health insurance services.