In America we demand the very best and American healthcare is a good, but with this comes the high costs of providing this care. With more info wanting the most recent treatments for their ailments medical care industry must keep innovating and developing new procedures and products. As with any new technology these products and procedures cost millions of dollars to develop and produce, and that cost is made into what the doctor or hospital will charge for these services.As everyone already knows the costs of health care are ever increasing. Medical health insurance is a solution to control these costs. When a health insurance carrier starts to develop a network of doctors and hospitals they negotiate payments for procedures, office visits, prescription drugs and any costs which could affect their members. The only method to obtain these negotiated rates is to agree with the insurance companies' health plan. By negotiating these rates the insurance provider is ensuring you are getting the best available health care at the best possible price.By not taking part in a health plan you can be paying the full price for several medical costs through the medical provider you have chosen. Many people think that they don't need health insurance because they never get sick and tend to be very healthy. Unfortunately we can not predict or control accidents or sudden and serious illnesses that want immediate health care. These costs can truly add up very quickly and if you don't are making thousands of dollars a year (and I suspect that a lot of of you do not), the expense of these unforeseen events might ruin your financial health.The majority of the insured population has their medical benefits provided in their mind by their employer. If employer sponsored coverage can be an option this is more often than not the best way to go. If employer sponsored coverage of health is not an option then your individual market is the next best option. A lot of people who seek insurance in the individual-market are small business owners, entrepreneurs, students, and the self employed.In the individual health insurance market, you are placed right into a pool with other members all paying individual premiums. When medical costs arise out of this pool of members, the insurance company uses the premiums to pay for the members' medical expenses. Basically, this is one way health insurance works, members pool resources together that are redistributed as had a need to fund health care.I am a insurance professional from Sharon Pennsylvania that operates Health Benefit Specialists LLC a online health insurance broker, where you can get free health insurance quotes and compare benefits from major health insurance carriers in the Ohio and Pennsylvania markets.