There are a variety of health coverage types from which to choose, including PPO, HMO, Health Savings Accounts, and Indemnity plans. Researching the various types of coverage is a critical step before buying a policy to ensure you are getting what you need.

A majority of Americans have group health coverage through their own or a family member's employer-sponsored group plan. Employers and employees can share costs and there are special tax incentives available to businesses that provide group health insurance.