Health Insurance


Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.


Family health insurance is basically just individual health insurance that is adapted to include all the members of a family. The kind of family health insurance you will need depends on your family's individual needs and you should consider a number of factors when choosing a plan. The price of family health insurance will generally be greater than for individual health insurance simply because there are more people covered by the policy.

Self Employed

If you are looking for self employed health insurance, you should consider a number factors when determining what type of plan to buy. If you are young and healthy, you may be better off buying a major medical insurance plan with a high deductible as opposed to a more comprehensive managed care plan or indemnity plan. If you need family health coverage or health coverage for children, this can affect your decision as well.

People Are Talking:

“I whole-heartedly recommend Health Insurance Pro to anyone who is in the market for health insurance that is not only "affordable" but also "benefit rich". You show an unusual interest in your clients and made it very easy to make an informed decision as to which health plan would be right for us. “
- John Michaels Birmingham, MI