Health Insurance | Community Health

Health insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses, sharing risk among many individuals. With a routine finance structure, such as monthly premiums or payroll taxes, health insurance provides the money to pay for healthcare benefits specified in the insurance agreement. According to the [[health-insurance-association-of-america|Health Insurance Association of America]], health insurance is defined as coverage that provides for the payments of benefits as a result of sickness or injury, including insurance for losses from accident, medical expense, disability, or accidental death and dismemberment. The World Health Organization has recognized the importance of universal health coverage. Health insurance is a crucial component of the [[health-system|health system]], providing financial protection and access to essential healthcare services, including [[preventive-care|preventive care]], [[diagnostic-testing|diagnostic testing]], and [[treatment-options|treatment options]].