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Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It can be provided through a government-sponsored social insurance program, or through a private company. Health insurance can be purchased by individuals, or provided as a benefit by an employer. It can also be required by law in some countries. Health insurance policies typically include a network of providers, and may have deductibles, copayments, and maximum out-of-pocket expenses. The goal of health insurance is to financially protect individuals from high medical costs.