Health insurance is basically a system that helps defray the cost of medical services incurred by individuals and families. Government agencies, private business and other organizations protect people against the risk of medical expenses by offering them insurance policies for a monthly fee. Affordable health insurance refers to programs or initiatives that enable people to be able to afford such coverage. As health care costs rise, so does the cost of health insurance. In fact, both are rising faster than inflation and wages.
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We are a small non-partisan organization comprised of researchers, journalists, and contributors that supply and document relevant content about health care. Because we believe that many are either uninformed or misinformed, our goal is to educate insured and uninsured Americans about how to obtain reasonable coverage, how to avoid the scams, and how to stay in-the-know.
Insurance companies establish their fees by estimating overall health care costs for a specific sector of the population. This includes the cost of primary care, secondary care, tertiary care, and quaternary care. Primary care represents the bulk of the cost and includes the initial health care services provided by family physicians or general practitioners.
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