ealth insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care
expenses among a targeted group, an insurer can develop a routine
finance structure, such as a monthly premium or payroll tax, to ensure
that money is available to pay for the health care 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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