health insurance

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health insurance

Insurance against expenses incurred through illness of the insured.

medical expense insurance

Health insurance that specifically pays medical, surgical and hospital expenses.

health insurance

Accident & health insurance, accident & sickness insurance, medical expense insurance, sickness Insurance Health financing Insurance that provides lump sum or periodic payments in case of losses occasioned by bodily injury, sickness or disease, and medical expense

health in·sur·ance

(helth in-shŭr'ăns)
A commercial product designed to protect consumers from the financial risks of illness and injury.
Synonym(s): medical insurance.

health in·sur·ance

(helth in-shŭr'ăns)
In the U.S., commercial product designed to protect consumers from the financial risks of illness and injury.
Synonym(s): medical insurance.

Patient discussion about health insurance

Q. what is public health insurance

A. Public health insurance programs in the U.S. provide the primary source of health expenses coverage for most seniors and for low-income children and families who meet certain eligibility requirements. The primary public programs are Medicare, a federal social insurance program for seniors and certain disabled individuals and Medicaid, funded jointly by the federal government and states but administered at the state level, which covers certain very low income children and their families. In 2006, there were 47 million people in the United States (16% of the population) who were without health insurance for at least part of that year.

Q. I need help getting health insurance is it expensive?

A. I am currently looking for insurance too. Do have you applied for public health insurance?


A. Yes, it'll you cost you money, and not a negligible sum, but that's not necessarily means it'll be expensive - the alternative may eventually be much more expensive. We can never know what will happen tomorrow- if something will happen to you or your family (e.g. car accident, cancer or even relatively simple thing as appendicitis), the cost of the unavoidable medical treatment in this case will be much higher than the insurance premium.

Here ( you can find an official governmental guide to choosing health insurance.

More discussions about health insurance
References in periodicals archive ?
However, in the case of German private health insurance contracts written after January 1, 2009, accumulated reserve amounts are partly transferred to another private health insurance company in case of a lapse.
Using a multinomial logistic regression approach, we observe that premium development, number of premium adjustments, sales channel, premium size, individual loss ratio, and age and seniority are significant aspects influencing policyholder decisions regarding long-term health insurance contracts.
Werding, 2008, Transferable Ageing Provisions in Individual Health Insurance Contracts, German Economic Review, 9(3): 287-311.
Moran, 2003, Contracting With Limited Commitment: Evidence From Employment-Based Health Insurance Contracts, RAND Journal of Economics, 34(4): 694-718.
11) Substitutive health insurance contracts substitute for statutory health insurance contracts; that is, they offer at least the insurance coverage of statutory health insurance.
Alternative Conceptions of the Health Insurance Contract
Although insurers do not always act solely as executors of the wishes of their insureds, a conceptualization of the health insurance contract that casts them presumptively in that role would greatly improve the legal climate for private economizing in the purchasing of health care.
Plaintiffs' lawyers and other bashers of the insurance industry naturally reject so benign a view of the health insurance contract.
Although such actions could serve a useful function in keeping payers honest in their dealings with patients, there is currently a danger that fear of juror and judicial misunderstanding or hostility, premised on the conventional paradigm of the health insurance contract, will deter insurers from performing the dirty work of protecting the insurance fund.
Much of the extant literature studies the demand for medical care by examining responses to changes in cost sharing, with the gross price held constant and the choice of health insurance contract remaining fixed.
This article is organized so that the next section develops a theoretical model examining the nature of equilibrium in the pricing of health insurance contracts.
This article developed a model through which the nature of health insurance contracts can be examined.

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