Health insurance exists to limit your liability when you incur medical expenses. The costs associated with healthcare include doctor costs, hospital costs, overhead, supplies, medicines, research and more. Health insurance helps you pay for covered medical expenses, prescription medications and preventive care, and safeguards you against the rising costs of healthcare.
On March 23, 2010, the Affordable Care Act was signed into law by President Obama, requiring every qualified American or legal resident to purchase health insurance by 2014 or they could face a penalty. The new health care law is aimed at making health insurance more accessible and affordable to Americans regardless of pre-existing conditions. To learn more about healthcare reform, including requirements, new benefits, tools, resources and more, visit our healthcare reform site.
Prior to buying health insurance, it is important that you know the basics of health insurance and how it works.
Learn about the basics of health insurance »
Need help choosing and buying a health plan? Use our personalized interactive guide to help you find the best health insurance plan that works for you and your family.
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