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To most people, health insurance is a necessity and when applying for health insurance, one must decide the level of coverage needed. There are many levels of health insurance coverage as well as factors to decide when choosing an insurance policy.
- The Level of coverage. Some insurance policies only pay up to a certain dollar amount, any medical bills larger than the amount covered must be covered by the policy holder.
- The premium amount. The amount in which the policy holder must pay to the insurance company for coverage.
- Deductable: The amount in which the policy holder must pay before the insurance company covers their share.
- Co payment: the amount in which the policy holder must pay for a visit to the doctors.

Many Americans are uninsured and with medical procedures costing into the hundreds of thousands of dollars this cost is left solely to the patient to pay without health insurance.
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