Health insuranceisinsuranceagainst the risk of incurringmedical expensesamong individuals. By estimating the overall risk ofhealth careandhealth systemexpenses, among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity. According to theHealth Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment"

Insuranceagainstlossby illness or bodily injury. Health insurance providescoveragefor medicine, visits to thedoctororemergencyroom, hospital stays and other medicalexpenses.Policiesdiffer in what theycover, thesizeof thedeductibleand/or co-payment, limits of coverage and theoptionsfor treatmentavailableto thepolicyholder. Health insurance can bedirectlypurchased by an individual, or it may be provided through an employer.MedicareandMedicaidareprogramswhich provide health insurance to elderly, disabled, or un-insured individuals. There are anumberofcompanieswhich provideprivatehealth insurance, including BlueCross, United Healthcare, or Aetna

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