Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what's health insurance for and why do you need it?

• Because accidents or health problems can happen at any time
• Medical expenses can be high - they're the number one cause of bankruptcy
• To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies means it is quick and easy
• To safeguard your way of life and your family's physical and financial wellbeing