Health insurance is a type of coverage that helps individuals pay for medical expenses. It typically involves a monthly premium that policyholders must pay, along with deductibles and co-pays when they receive medical care. This insurance can cover a variety of services, including doctor visits, hospital stays, prescription medications, and preventive care. By having health insurance, people can reduce their financial burden when facing health issues, ensuring they have access to necessary treatments and services without incurring overwhelming costs.