What Do You Get With Health Insurance? 
It will depend upon what level of health insurance you purchase . Assuming you purchase major medical health insurance , it will now have to be in compliance with the Affordable Care Act . That said , what you may be purchasing can range from a `` Platinum '' level plan with very low out-of-pocket expenses for virtually all areas of health care to a `` Bronze '' plan that may not provide you any coverage at all until you have paid for more than $ 6000 in health care expenses out of your own pocket . One thing that is consistent across the four levels of health insurance plans now available -LRB- Bronze , Silver , Gold & Platinum -RRB- is that a wide range of preventive health care services will be covered at 100 % with no cost sharing by the subscriber . Yes , you are also buying `` peace of mind '' that in the event of a serious illness or injury that your personal financial exposure is limited to that $ 6000 + number each year -LRB- which will increase in future years -RRB- and you also are now buying guaranteed access to health insurance with no pre-existing condition exclusions or limitations . In the abstract I think everyone agrees that these are good things . However , depending upon your income level what you may be buying may or may not be viewed by the individual as affordable to them . Having recently completed the first open enrollment season under ObamaCare it has surprised me how many people , even ones qualifying for substantial subsidies of their monthly health insurance premiums , still elected to remain uninsured . Clearly , the perceived value proposition of what you get from buying health insurance has a very subject answer that varies greatly from one person to the next . 