Health insurance is a type of insurance policy that covers the cost of medical and healthcare expenses for the policyholder. When you have health insurance, you pay a monthly premium to the insurance company, and in exchange, the insurance company agrees to cover a portion of your healthcare expenses.

There are different types of health insurance plans available, but most fall into one of the following categories:

1. Fee-for-service plans: With this type of plan, you pay for each medical service you receive, and the insurance company reimburses you for a portion of the cost.

2. Health maintenance organization (HMO) plans: With an HMO plan, you choose a primary care physician who will be your main point of contact for medical care. The HMO plan typically covers care provided by your primary care physician and any specialists or hospitals within the HMO's network.

3. Preferred provider organization (PPO) plans: PPO plans give you more flexibility to choose your healthcare providers. You can choose to see any doctor or specialist, but you'll typically pay less if you see a provider within the PPO network.

4. Point of service (POS) plans: POS plans are a combination of HMO and PPO plans. You choose a primary care physician, but you can also see providers outside the network for a higher cost.

In addition to the monthly premium, health insurance plans typically have other costs such as deductibles, copayments, and coinsurance. The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Copayments are a fixed amount you pay for a medical service, such as a doctor's visit, and coinsurance is a percentage of the cost of the service that you pay.

It's important to choose a health insurance plan that meets your specific needs and budget. You can typically find information about different health insurance plans through your employer, the Health Insurance Marketplace, or directly from insurance companies. It's also a good idea to read the plan details carefully to understand what is covered and what your out-of-pocket costs will be.