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Today, american medical health insurance and health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy american medical health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be very expensive. You can't predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have american medical health insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company or, in some cases, it can be your employer.

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There are many different types of american medical health insurance. Each has pros and cons. There is no one "best" health insurance. The plans right for a single person may not be best for a family with small children. And a american medical health insurance that works for one family may not be right for another. For example, if your family includes just two adults, it may be less expensive for each of you to have individual coverage than for just one of you to have a american medical health insurance. If you have children, or if you might have children soon, you need a family plan. Because your situation may change, review your health insurance regularly to make sure you have the protection you need.

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