Unlike other developed countries, the United States does not have a universal health coverage system. Today, every American must purchase their health insurance, and most Americans get coverage through their employers. A good portion of the population, however, search directly private companies that offer different health insurance plans.

The members of these private plans, and regular payments, sometimes also have to pay part of the cost of their treatment before the insurer reimburses all or part their medical expenses. The type of service, as well as the amount reimbursed, varies according to plan.

In 2004, almost 46 million Americans had no health insurance. Spending on health care can be very high, and even the cost of the most basic health insurance increases continuously. Consequently, the monthly increase as well. Employers usually take most health insurance expenses, but even so policyholders are paying more and more every year.

For what you're paying exactly? Where will your monthly payment if you do not get sick or not the doctor? What do you do if you are not working or are self-employed? What is the difference between the various options for existing plans? This lot of information about health plans, payment contribution, franchises is enough to make your head spin.

In this book, we analyze the main types of health plans and explain their differences. Keep in mind that there are always variations between individual plans, but at least we will give you some advantage in selecting the right plan for you.

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