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'''Health insurance''' is [[insurance]] against expenses incurred from [[health care]]. In the [[United States]], health insurance is a service provided by private companies, but in many countries (including [[Canada]]), health insurance is partially or completely funded and administered by the [[government]].
==In the United States==
In the United States, health insurance is a service provided by private companies. Generally, businesses in the United States negotiate health insurance services for their employees, who then pay for a portion their health insurance with an automatic deduction from their paychecks, although some people buy health insurance services on their own.
There are two types of payments for insurance services under the American model. The periodic payment, paid in order to maintain health insurance coverage, is called the [[premium]]. When a worker's insurance pays a medical expense, a certain fixed amount of the expense is paid by the worker. This payment is called the [[deductible]].
While most Americans with health insurance through a private company, the United States federal government does provide insurance to certain US citizens. Impoverished people may be eligible for [[Medicaid]], which is a program funded by the federal government and administered by the states, and elderly and disabled people are eligible for [[Medicare]], which is administered and funded by the federal government. Both involve contracts with private insurance companies to actually provide services.
==Terminology==
Some people make no distinction between the ''services'' provided by [[health care]] professionals and the ''insurance'' which pays for these services (see "[[Universal health care]]").
==See also==
*[[HMO]], i.e., "[[health maintenance organization]]"
[[category:medicine]]