Healthcare insurance is a type of insurance that helps cover the costs of medical expenses. It can pay for a variety of services, including doctor visits, hospital stays, surgeries, and prescription medications. People usually pay a monthly premium for their insurance plan, and in return, the insurance company helps pay for their healthcare needs. There are different types of healthcare insurance plans, such as HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization). Each plan has its own rules about which doctors and hospitals you can use, as well as how much you will pay out-of-pocket for services.