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Health care is the care provided to you by doctors, clinicians, hospitals, etc.

Health insurance is a method of paying for that health care. An insurance carrier develops a health insurance plan that covers certain costs incurred by a patient on that plan. The patient is called a plan member. The plan member is charged a monthly premium for that plan.

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Q: What is the difference between health care and health insurance?
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Why do you need health insurance?

As medical care advances and treatments increase, health care costs also increase. The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventive care if you have health insurance. You need health insurance because you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance. We also know that there is a link between having health insurance and getting better health care. Research shows that people with health insurance are more likely to have a regular doctor and to get care when they need it.


Why should you have health insurance?

As medical care advances and treatments increase, health care costs also increase. The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventive care if you have health insurance. You need health insurance because you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance. We also know that there is a link between having health insurance and getting better health care. Research shows that people with health insurance are more likely to have a regular doctor and to get care when they need it.


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Here in America, we work for and buy our health care policies with minimal aid from our government if were eligible. In Canada the government pays for health care coverage for all citizens using tax revenues. Private insurance is not allowed to duplicate coverage through the universal system but can be used to cover things such as cosmetic surgery and dental.