Having insurance is important, especially if you have a family and kids. Many people have heard about insurance, but really have a hard time explaining what it is and how it works. As an overview, health insurance functions as coverage or a plan that will help pay costs and expenses associated with surgical, medical, prescription drugs and dental from time to time. Normally the costs are either paid directly to the care provider or the plan could reimburse you for any money you spent.
To obtain health insurance you have two options. First and the most common option is that the employer you work for will offer it as a benefit for working at the company full-time. If you are currently self-employed, retired, unable to work or don’t work at a company, then you can receive healthcare benefits either through the marketplace or through government-funded programs such as Medicare, Medicaid, or CHIP.