Often young people assume that, because they are healthy, they can do without health insurance. Then, an unexpected accident or illness happens and they are left with a mountain of medical bills they cannot pay. This volume explains exactly what health insurance does for people, and the types of health care plans, including private, group, and government plans, and their similarities and differences. It discusses the various insurance needs at different stages of life, health care affordability, and the factors to consider when choosing a health care plan. Universal health care is also examined.