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People purchase health insurance coverage to protect them against medical costs. Some people are able to get health insurance through their employer, while others, such as those who are self-employed or retired, get individual health insurance coverage. Some health insurance agencies represent a single insurer and sell policies for that insurer. Some health insurance agencies work as brokers and may offer a wide-variety of policies from many companies. Most health insurance is either a Preferred Provider Organization (PPO) or a Health Maintenance Organization (HMO). Health insurance rates vary between plans. Health insurance rates are also affected by personal statistics such as age, pre-existing health conditions, and area of the country in which you reside.
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