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General Health Insurance Info

There are many different types of Health Insurance available in the United States. The most common is the Employer - Sponsored health insurance. This insurance is provided to employees as a part of their benefits and the employee only pays a portion of the premiums with the employer paying for the rest. The employee then pays all deductibles and co-pays.

Another type of coverage is individually purchased coverage. This coverage is purchased by people who aren't already covered under any other insurance policies. Individually purchased insurance usually costs less in premiums than the employer - sponsored coverage and vary by age. However the deductibles and co-pays for individually purchased coverage are generally higher.

Small employer group coverage is another type of health insurance coverage. Fewer small employers offer health insurance to their employees than the larger employers do. Small businesses have fewer choices in financing their benefit plans and many cannot afford to offer health insurance as a benefit.

Medicare is federal government - funded health insurance for the elderly and patients who are disabled or with end stage renal disease. United States citizens or permanent residents of the US who pay Medicare taxes for at least 10 years and are over the age of 65 are eligible for Medicare. In addition individuals who are disabled and receiving Social Security or Railroad Retirement Board Disability payments and have been for at least 2 years are also eligible.

Medicaid is another government - funded health insurance that is usually funded by both state and federal together. Medicaid is for the poverty stricken who are without health insurance. Unlike Medicare, which is an entitlement available to all who paid into it, Medicaid is only available to those who meet certain income requirements.

Long - Term Care insurance is a policy that covers the disabled or chronically ill over a long period of time. Long - Term Care insurance is usually quite expensive since the risks to the insurance company are higher.