Health insurance is a big matter of US Politics. For example, on his official website, Barack Obama says: “My plan begins by covering every American. If you already have health insurance, the only thing that will change for you under this plan is the amount of money you will spend on premiums”.
Health insurance can be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.
Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure (such as a monthly premium or annual tax) that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement.
Now US consumers can defend themselves using the Net. Many websites offers health insurance quotes, so people can compare multiple offers and choose the best. For example, affordable health insurance can be searched on blindcntr.org, a real search engine for this purpose.