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 article, 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.