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Health Insurance plans cover those who purchase plans or coverages. So the premium payer and beneficiaries are the people who are covered. The premium buyers can be individuals, families, self-employed people and businesses.

There are people who get limited policies because they have pre-existing conditions or really risky conditions such as renal failure or multiple sclerosis.

Some people choose to purchase health maintenance organization coverage instead of an insurance plan. The HMO clinics and hospital treat their plan members themselves rather that developing policies that pay other medical providers.

In places like Canada, Sweden and the UK where they have socialized medicine the citizens are covered by the government medical system. Some choose to purchase private insurance so they can get faster and better care in those nations.

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Q: Who health insurance cover?
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