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Affordable Private Health Insurance

What is Private Health Insurance?


Private health insurance is health insurance that you purchase, or that an employer purchases for employees, from a privately owned company.

In contrast, public insurance is usually state or federally funded, like Medicare, Medicaid, or SCHIP (the State Children's Health Insurance Program). Public insurance will have specific qualifications and guidelines for those who want to apply for their coverage.

Affordable Private Health Insurance



Employers can purchase private health insurance in the form of group policies. This makes medical insurance more affordable to employees, since group prices are almost always lower. Health insurance agencies assume that most of the people in the group will stay healthy and that only a few will get sick and cost them money. So, they can afford to offer coverage at lower rates.
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