Health insurance protects you from high medical costs, ensures access to quality healthcare, and provides financial security in case of unexpected medical emergencies.

Coverage varies by plan, but typically includes: Doctor visits & consultations Hospitalization & surgeries Prescription medications Emergency care Preventive services & screenings Maternity & newborn care (depending on the plan)

Common exclusions may include: Cosmetic procedures Alternative therapies (unless specified) Pre-existing conditions (in some plans) Dental & vision care (unless covered separately)

Consider factors like: Coverage options Monthly premiums & deductibles Network of doctors & hospitals Out-of-pocket costs (co-pays, coinsurance)

HMO (Health Maintenance Organization): Requires you to choose a primary care physician (PCP) and get referrals for specialists. Lower costs but limited provider network. PPO (Preferred Provider Organization): Offers more flexibility in choosing healthcare providers without referrals but may have higher costs.