Health insurance helps protect you from high medical care costs. Many people in the United States get a health insurance policy through their employers, and in most cases, the employer helps pay for that insurance. Insurance through employers is often with a managed care plan. These plans contract with health care providers and medical facilities to provide care for members at reduced costs.
However you can also purchase health insurance on your own. It usually costs you more than employer based insurance, but if you do not have health insurance through your employer then you may want to still consider it. People who meet certain requirements can qualify for government health insurance, such as Medicare and Medicaid. If you do not have health insurance, you must pay your medical bills directly or rely on health care providers or organizations that donate care.