What is health insurance and why do I need it?

Health insurance is a plan that helps pay for medical care.

You pay a monthly premium, and the plan shares the cost of doctor visits, medicines, tests, and hospital care. Without insurance, even small health problems can become very expensive.

Insurance also supports preventive care. This includes check-ups, vaccines, and screenings that can find issues early, when they are easier to treat. Many of these services are covered at no extra cost in qualified plans.

Having insurance means you can see a doctor when you need to, not just when it’s an emergency. It gives you peace of mind and helps you manage your health over time.

If money is tight, check for savings programs. Many people qualify for discounts that make coverage more affordable than they expected.

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