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How Health Insurance Works

In the United States, health insurance is tricky to navigate. It is a sector with a number of regional and national competitors whose coverage, pricing, and availability vary from state to state and even by county.

Health insurance can be tricky to navigate. In the U.S., managed care insurance plans require policyholders to get their care from a network of designated healthcare providers. If patients seek care outside the network, they must pay a higher percentage of the cost. The insurer may even refuse payment outright for services obtained out of network.