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A question that many people ask is" do I really need health insurance, or can I live without them? " "This is not always an easy question to answer and the answer often depends on who you ask.

As with most types of insurance, one could say that you do not really need until you need it. Car insurance, for example, do not you do something good, until you have a car accident. Life does not do you any good until you die. The health insurance does not do you any good until you a sick. However, if you believe in Murphy's Law - that whatever can go wrong will go wrong - then you should worry about health insurance.

In many countries such as England, France, Canada, Sweden and Norway, health insurance is not a problem, such as medical care is free and the doctors and hospitals are reimbursed by the government.

In the United States but the vast majority of the costs of medical care is covered by insurance, and there are three types of health insurance:

1. Self-insured or uninsured. Here an individual either no insurance or medical insurance but is responsible for the payment of 100% of insurance premium. It is estimated that at least 30% of the population of the United States falls into this category.

2. Managed-care plans. Managed care plans, which are essentially networks, the contractually agreed service providers in contract prices, fall into three categories:

i. Health Maintenance Organizations (HMOs) are pre-paid plans for which members pay a fixed monthly premium. HMOs provide medical services of the doctor visits in the office to hospitalization and surgery and usually requires that you have a treatment from a specific network of providers in health care.

ii. Preferred Provider Organizations (operators) are composed of groups of physicians and healthcare facilities, medical benefits to a particular group. The members of the postal operators typically pay for services as they are, and are then reimbursed the costs of treatment. In the majority of cases are provided at a price that was previously on the health and the PPO.

iii. Point-of-service (POS) is a form of managed health care system, where you pay a small co-payment and not deductible if the health care, in your network. However, they are free, a treatment outside the network, but if you decide to do, you are asked to pay additional fees and possibly a deductible.

3. Indemnity plans. Indemnity plans allow the policyholder to the medical treatment whenever and wherever they choose. The big advantage of the compensation plan lies in the freedom of choice, that he addressed to the policyholder, but this freedom is also planning to damage the most expensive form of health insurance.

The type of plan that is right for you depends very much on your personal circumstances and choosing a health insurance is a time consuming task. However, health insurance is something we all need that sooner or later.

What do you pay for the insurance will often depend on where you buy it. For example, low-cost California health insurance can be a very different price from low-cost health insurance purchased in Florida.