Private Health Insurance: Explained in Plain English

Private health insurance is an essential part of any healthcare plan. It covers medical services that Medicare or Medicaid doesn't cover. Private health insurance also helps pay for prescription drugs, dental care, vision care, and other non-medical expenses.

What Is Private Health Insurance?

Private health insurance is a type of health insurance that provides coverage for medical costs not paid by government programs such as Medicare or Medicaid. Private insurance plans cover hospital stays, doctor visits, prescriptions, and preventive care.

Why Do People Need Private Health Insurance?

If you don’t have private health insurance, you might be paying high deductibles and copays for routine medical expenses. You also might face financial penalties if you don’t meet specific requirements when filing taxes. Private health insurance helps protect against these risks.

Types Of Private Health Insurance

There are two main types of private health insurance—individual and group plans. 

  • Individual plans cover only one person at a time. 
  • Group plans cover multiple people at once.

What is an individual private health insurance plan?

An individual private health insurance plan is a plan that personal purchases to cover that particular and that individual’s family. The plan typically allows the individual to choose from various doctors and hospitals and usually covers a range of services, including preventive care, doctor visits, hospital stays, and prescription drugs.

What is a group private health insurance plan?

A group private health insurance plan is a type of health insurance plan that is offered to a group of people, typically employees of a company. This plan allows the group to pool their resources and receive discounted rates on their health insurance coverage. Group private health insurance plans can be either self-funded or insured.

How Does Private Health Insurance Work?

If you have an individual plan, you pay monthly premiums directly to your insurer. You also pay deductibles (the amount you must pay before your insurer starts paying) and copays (the amount you must spend after your insurer has paid).

In conclusion, private health insurance is a way to ensure that you have access to quality healthcare when you need it. It can be expensive, but there are ways to reduce the cost. If you are considering getting private health insurance, research your options and find the best plan.

We are an industry professional-operated health insurance agency in San Antonio, TX. We have provided quality health insurance coverage to families and business owners in Bexar County and over 30 US states. We are committed to finding the best health insurance plan for our clients and always put our customers first. We are proud to offer a wide variety of health insurance plans, including Medicare, Medicaid, and individual and group health insurance plans.


We are a privately owned and operated health insurance agency in Bexar County. We are proud to offer our professional expertise and services to our clients.

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USHA Bexar County

USHealth Bexar County is a health insurance agency with a diverse team of health insurance professionals based in San Antonio, TX.

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