Your Guide to Health Insurance in 2025
Looking for affordable and reliable health insurance? Whether you’re self-employed, a parent, a student, or simply want peace of mind, health insurance is essential to protect your health—and your finances.
✅ What Is Health Insurance?
Health insurance is a contract that helps pay for medical expenses, including doctor visits, prescriptions, emergency care, and preventive services. You pay a monthly premium, and in return, your insurer covers a portion of your healthcare costs.
💡 Why You Need Health Insurance
Even a routine medical visit can be expensive—without coverage, an unexpected emergency could cost thousands. Health insurance gives you:
- Access to quality care
- Protection from high medical bills
- Preventive services like vaccines and screenings
- Coverage for accidents, illness, and chronic conditions
🏥 Types of Health Insurance Plans
Each plan type has its pros and cons. Here’s a quick breakdown:
| Plan Type | Key Features |
|---|---|
| HMO | Lower cost, in-network only, referrals needed |
| PPO | More flexibility, no referrals, higher cost |
| EPO | In-network only, no referrals needed |
| POS | Mix of HMO/PPO, some out-of-network coverage |
| HDHP | High deductible, lower monthly premium, eligible for HSA |
📋 What’s Typically Covered?
Most health insurance plans include:
- Doctor and specialist visits
- Emergency care
- Hospitalization and surgery
- Prescription medications
- Mental health and substance abuse treatment
- Preventive care (check-ups, screenings, vaccinations)
- Maternity and newborn care