Health Insurance is a way to pay for healthcare.
Typically included in group benefits from your employer, however, often the coverage has small limits or minimal offerings which requires a top up to enhance the services your require. This can include Prescriptions, Dental Care, Vision Care and even chiropractor and massage treatments.
It protects you from paying the full costs of medical services provided to you when you become sick or injured.
Just like car or home insurance, you choose a plan and agree to pay a certain premium or rate each month.