Like HowStuffWorks on Facebook!

Health | Healthcare and Health Insurance

Whether you're choosing a doctor or trying to navigate health insurance jargon, these articles will help you understand the health insurance system.

Featured
Insurance Exclusions

A health insurance exclusion refers to anything an insurance plan doesn't cover, from drugs to surgeries. Exclusions can vary, so it's essential that you get to know the details of your plan.


Working with Multiple Healthcare Providers

Working with Multiple Healthcare Providers

Working with multiple healthcare providers requires patience and flexibility. Learn more about working with multiple healthcare providers from HowStuffWorks. See more »

Wellness Programs

Wellness Programs

Wellness programs are programs that are designed to improve health and lower health care costs. Learn about different types of wellness programs. See more »

High-risk Health Insurance Pools

High-risk Health Insurance Pools

High-risk health insurance pools are programs that are meant to provide health care to those what can't afford it. Learn about high-risk health insurance pools. See more »

Health Insurance Portability and Accountability Act

Health Insurance Portability and Accountability Act

HIPAA was enacted in 1996 in order to ensure both health coverage and privacy for patients. Learn about some of the different aspects of HIPAA. See more »

Disability Insurance

Disability Insurance

Watch this video about disability insurance on HowStuffWorks. The nonprofit Life and Health Insurance Foundation for Education (LIFE) is offering a buyer's guide to help Americans better understand their options for purchasing disability insurance, a critical product which ensures that you can support yourself and those you love even in the event of a disabling illness or injury. See how disability insurance works in this video from MultiVu. See more »

COBRA Insurance

COBRA Insurance

COBRA gives former employees the option to continue with their health coverage once they leave the group plan. Learn more about COBRA insurance. See more »

Outpatient Procedures

Outpatient Procedures

Outpatient procedures fortunately don't require an overnight stay in a hospital. Learn about the benefits and types of outpatient procedures. See more »

Reasonable and Customary Charges

Reasonable and Customary Charges

Reasonable and customary charges are what insurance companies are willing to pay for medical services. Read how reasonable and customary charges work. See more »

Pre-existing Conditions

Pre-existing Conditions

Pre-existing conditions can cause problems when someone is shopping for health care plans. Learn about pre-existing condition health care plans. See more »

Insurance Exclusions

Insurance Exclusions

Exclusions are items or services that are not covered by your health insurance plan. Learn about common health insurance exclusions. See more »