What is health insurance?

Health insurance is a form of insurance that provides coverage to individuals and families for medical expenses. It typically covers costs associated with accidents, surgery, hospital stays, prescriptions, and other medical services. In Hawaii, health insurance is required by law and is available through both private and public insurance providers. Health insurance provides financial protection against the financial burden of unexpected medical expenses. It pays for medical costs related to accidents or illnesses and can also cover preventative care like physicals or routine screenings. Health insurance also helps cover the cost of medications and services related to mental health care. Health insurance also protects individuals from large medical bills that can be difficult to pay off. It can provide access to care that would otherwise be too expensive. In Hawaii, health insurance can also help individuals with long-term medical conditions get the treatment and care they need. Health insurance plans vary in their coverage and deductibles, so it is important to understand all of the details of a plan before signing up. It is also important to remember that health insurance does not cover everything; individuals may still need to pay for some medical expenses out-of-pocket.

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How does health insurance work?
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What is health insurance?

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