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Health insurance in the US is a contract between the insured and a health insurance company. This contract guarantees that, in exchange for a monthly premium, the insured will receive coverage for medical services, hospitalization, medications and other health expenses. Coverage and benefits vary depending on the type of plan chosen, but its primary purpose is to protect the insured from high medical costs and ensure access to medical care when necessary.

1. Monthly Premium Payment: Insured members pay a fixed amount per month to maintain their active coverage.
2. Deductibles and Copays: Depending on the plan, the insured may pay a deductible before the insurance covers their expenses, and copays (a fixed portion of certain services).
3. Provider Network: Most plans operate with a network of doctors and hospitals, and choosing services within this network helps reduce costs.
4. Additional Benefits: Some insurance includes additional benefits, such as telemedicine, drug discounts, and wellness programs.

The healthcare system in the US can be expensive, and health insurance helps protect you from unexpected medical expenses. Having insurance allows people to access medical services without worrying about high costs, and helps promote long-term health through access to preventive services and regular checkups.

To enroll in health insurance, you usually need:

1. Identification (ID, passport, or equivalent).
2. Proof of address (recent utility bill or equivalent).
3. Medical history or to fill out a health status questionnaire.
4. Birth certificates or identification numbers for dependents if family coverage is included.
5. Medical tests (if a prior evaluation is required).
6. Payment method or banking information, depending on your preferred payment option.