Health insurance is an agreement between you and an insurance company or health plan.
You generally pay a premium to keep your coverage active. In return, the plan helps pay for certain health care services covered under the policy.
Depending on your plan, covered services may include things such as:
- Doctor visits
- Hospital care
- Emergency services
- Prescription medicines
- Laboratory tests
- Preventive care
- Maternity and newborn care
- Mental health services
- Rehabilitation services
The exact benefits depend on the policy. For example, health plans available through the U.S. Health Insurance Marketplace cover categories known as essential health benefits, but the details of coverage and costs can vary between plans.
Health insurance does not necessarily mean that all medical care is free. Most plans require members to pay some combination of premiums, deductibles, copayments, or coinsurance
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