Health insurance is like any other type of insurance such as Auto and Life Insurance: a good way to provide financial protection against unexpected costs. If you are young and healthy you may think you can do without. An unexpected accident or major illness could wipe out your entire savings and put you in debt for years. Most employers provide decent health coverage, either on a self-insured basis or through an insurance company - and many pay part or all of the premiums for employees - although they're not required by any state or federal law to offer health benefits. Also, they are not required to offer specific benefits, such as mental health or maternity coverage. Group health insurance, while necessary, is an employment benefit, not a right.

You may not have a choice of plans-your employer may provide only one health insurance option. However, you still need to understand how your group health plan works and how to get the best care for yourself and your family.

Credit Reporting Agencies
Allstate Insurance
State Farm