Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It can be provided through a government-sponsored social insurance program, or through a private company. Health insurance policies may cover a range of medical services, including preventive care, doctor visits, prescription drugs, hospital stays, and more. The cost of health insurance is typically shared between the insurer and the insured, through premiums, deductibles, and copayments. The availability and cost of health insurance can vary depending on a person's location and employment status.