BASIC HEALTH/UNDER 65 YEARS OLD Health insurance is coverage that pays for surgical and medical expenses incurred by an insured individual. With health insurance coverage, you can receive reimbursement for any expenses incurred due to an injury or illness, or the insurance provider can pay the doctor or hospital directly. Sometimes, health insurance is included by your employer in a benefit’s package. This helps to encourage employees to work for a certain company because the premiums are partially covered by the employer. Today, selecting a health insurance plan can be confusing. That is because of all the rules and regulations related to in- and out-of-network services, co-pays, deductibles, and more. Since the passing of the Affordable Care Act in 2010, insurance companies were unable to deny medical coverage to a person with any type of preexisting conditions and allows children to remain covered on their parent’s plan until the age of 26.