Health insurance is insurance against the danger of acquisition expenses among people. By estimating the risk of health care and health system expenses, among a targeted cluster, AN insurance underwriter will develop a routine finance structure, like a monthly premium or payroll tax, to confirm that cash is offered to get the health care advantages per the insurance agreement. The profit is run by a central organization like a bureau, personal business, or not-for-profit entity. in keeping with the insurance Association of America, insurance is outlined as "coverage that has for the payments of advantages as a results of illness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment" (pg