Health care insurance is what will help pay for your medical bills if you ever get sick or injured. Costs which include doctor visits, hospital confinement, surgery, laboratory tests, and other forms of services, which tend to be very expensive. Many people cannot afford to pay for them by themselves.

There are four types of health insurance available. They are group health plans, individual plans, workers' compensation, and government health plans such as Medicare and Medicaid.

There are two different types of group and individual health plans. They are fee-for-service and managed care. Of the two types, fee-for-service is the most flexible because it allows you to choose which health care professional you want to see. Managed care will usually limit the doctors you are allowed to see to the company