Health insurance helps pay for covered medical care under the terms of a policy. You usually pay a premium to keep coverage, and may also pay deductibles, copayments or coinsurance when you receive care. Compare covered benefits, provider networks, prescription coverage and the out-of-pocket limit before choosing a plan. Individual and family coverage, employer group coverage and public programs have different eligibility and enrollment rules. Modern Healthcare Plans of America can help you compare available options and understand plan documents.