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Health insurance can be a complicated topic, especially for those who are new to the system. However, understanding the basics of health insurance is essential to ensuring that you have the coverage you need to protect yourself and your family. In this guide, we will break down the basics of health insurance, including what it is, how it works, and what to look for when selecting a plan. What is Health Insurance? Health insurance is a type of insurance that covers the cost of medical and surgical expenses for policyholders. It is typically offered through employers, government programs, or purchased privately. Health insurance can help to mitigate the financial burden of healthcare expenses, which can be significant, particularly for those who require ongoing medical care or have chronic conditions. How Does Health Insurance Work? Health insurance works by paying a portion of the costs associated with medical and surgical care. Policyholders pay a premium, which is a set amount of mo