Ask any patient (except the president of the United States and members of Congress, who are insulated from such things), and they will uniformly agree that health care costs money, lots and lots of money. In fact, unless you are a Donald Trump, a major illness requiring a couple of weeks in the hospital is enough to flush your life savings right down the drain and into the hands of doctors, hospitals, drug companies, and medical laboratories. This being so, there are only two things keeping most of us from bankruptcy court: the good fortune of not becoming ill or injured, and health insurance. Thus, health insurance may be the most important insurance need most of us face, since sooner or later we or a loved one are bound to need the services of a physician and/or a stay in the hospital.

How Health Insurance Is Obtained

You can acquire health insurance in several different ways: through individual policies, group coverage, and government benefits.

If you are not in a group, you can usually purchase insurance either directly from an insurance provider or through agents and brokers (see page 16). The unfortunate part of purchasing in­dividual or family policies is that they are extremely expensive. Worse, an applicant with any significant health problem may not be able to obtain coverage, or may find so many exclusions in the policy that it resembles Swiss cheese.

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