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When people and businesses are looking for health insurance, they often research the financial stability of the insurer. Since health insurance is meant to cover medical costs it is important that the insurer is financially stable. Health insurance can be a Preferred Provider Organization (PPO), a Health Maintenance Organization (HMO) or a Point of Service (POS) plan. Some companies offer health insurance to employees through a company group plan. People who are self-employed, retired, or work for a company that does not offer group health insurance, often seek out individual health insurance. Some health insurance brokers maintain an Internet presence to make comparing policies and prices easier for the client.
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