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Most health care in the United States is paid for through health insurance.
Health insurance is for an individual or family. When covered by an insurance policy, the policy owner regularly pays a designated amount, or premium, to a health insurance company. In return, the insurer agrees to pay a pre-arranged portion of the cost when health care is needed.
While every insurance plan is different, most health plans have three main parts: benefits, networks, and costs.
An individual or family may be covered through a private or public insurance program.
Private health insurance may be purchased individually or through an employer.
Two primary types of public insurance programs cover families and children.
Reviewed: June 2018