News tagged with health insurance

Related topics: health care , affordable care , insurance , barack obama , health care reform

Health care overhaul doubts ease for insurers

What a difference a year makes. The nation's biggest health insurers entered last fall cautious about a major coverage expansion initiated by the health care overhaul, the federal law that aims to cover millions ...

Oct 29, 2014
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Competition keeps health-care costs low, researchers find

Medical practices in less competitive health-care markets charge more for services, according to a study conducted by researchers at the Stanford University School of Medicine and the National Bureau of Economic Research.

Oct 21, 2014
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Stigma can hinder access to health care for the poor

In a study of 574 low-income adults, many felt stigmatized when receiving medical care. This stigma was most often the result of interactions with clinicians that felt demeaning, rather than an internalized sense of shame ...

Oct 06, 2014
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Health insurance

Health insurance is insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.

By estimating the overall risk of healthcare expenses, a routine finance structure (such as a monthly premium or annual tax) can be developed, ensuring that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.

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