How Does Health Insurance Function? 
Health insurance functions relatively easily . The consumer pays premiums for a specified -LRB- in writing -RRB- set of benefits . When the insured -LRB- individual or family -RRB- incurs medical expenses , if they are covered , treatment is given by a provider -LRB- usually in a Network -RRB- and eventually a claim is submitted . An insurance company determines what amount should be paid -LRB- remember ... a deductible may apply -RRB- , and pays the provider . The insured can apply for many levels of coverage depending upon their budget . An experienced broker is a great resource to contact or a reputable website where live quotes are often available . 