22. Medical Insurance – Making it Easier to Get Health Care

Health insurance is one way to pay for care. Health care includes visits to the doctor, medication, and emergency services. People can pay for and doctor visits directly in cash or they use health insurance. Health insurance usually means you less for these services. There are different types health insurance. At some jobs, companies offer health plans as part of a benefits package. Individuals also buy health insurance. The elderly, and disabled get government run health insurance through programs like and Medicare. There are many different health insurance or plans. Each health plan has a set doctors they work with. Once a person picks plan, they pay a premium, which is a amount of money every month. Once in a , a person picks a doctor they want to from that plan. That doctor is the person's care provider.

Obamacare, or the Affordable Care Act, a recently passed law that makes it easier people to get health insurance. The law requires Americans have health insurance by 2014. Those that not get health insurance by the end of year will have to pay a fine in form of an extra tax when they file income taxes. Through Obamacare, people can still get through their jobs, privately, or through Medicaid and . They can also buy health insurance through state , where people can get help choosing a plan on their income and health care needs. These also create an easy way to compare what plans offer. If people cannot afford to buy insurance, they may qualify for government programs that free health insurance like Medicaid, Medicare or for , a special program called the Children's Health Insurance (CHIP).