Private health insurance is a type of coverage that individuals can purchase to help pay for medical expenses. Unlike public health insurance, which is often provided by the government, private health insurance plans are offered by private companies. These plans can cover a range of services, including doctor visits, hospital stays, and prescription medications. People choose private health insurance for various reasons, such as wanting more flexibility in choosing healthcare providers or accessing specialized treatments. Premiums, deductibles, and co-pays are common terms associated with these plans, and they can vary widely based on the coverage options selected and the insurer's policies.