Health Care: Plain & Simple - "How Health Insurance Works"

when you buy health insurance you pay a set amount called a premium each month for your health insurance coverage if you get insurance through your employer your premium is usually deducted from your paycheck each month you become a member of a group or plan and everyone's premium payments are pooled to cover the cost of care for anyone belonging to the plan spreading the cost among the group protects you if it cost more for your care than the monkey actually paid in premiums that month that pool of premium payments covers you so you don't have to

come up with the full cost of your care which could be really expensive if you pay for it all yourself most plans require you to share in a portion of your medical costs through a co-payment coinsurance or deductible but these out-of-pocket amounts are still a lot less than paying for health care on your own sometimes you need more care than other people in your plan sometimes less it's a balancing act and the idea is that the big pool of your group's premium payments is enough to cover the cost of care for everyone in your group

so you may not need a doctor today but with health insurance you're covered just in case and that's how health insurance works plain and simple if you want to learn more about health care and language you can understand go to health care plain and simple calm