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There a number of different healthcare plans out there on the market, but it can get confusing on which ones offer what. So here's the rundown on the most popular.

Free-for-service plans are the traditional kind of healthcare policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals. You can choose any doctor you wish and change doctors any time. You can go to any hospital in any part of the country.

Many people ask how much health insurance is going to cost them and the truth is that it's always going to vary depending on a number of factors. The first one of these is age. There is obviously going to be a link between your age and you need for health services. Typically once you reach 50 you start using these services more and more.

As horrible as it sounds, the next one is gender. Typically females are going to pay slightly more for health insurance. Why is this? Who knows? You'll have to ask the insurers.

Most employees in America consider healthcare coverage the most important of all employee benefits. But this is also an attractive benefit for businesses too. Businesses buy health coverage far cheaper than individuals. Businesses also stand to gain specific tax benefits and this makes health coverage a very cost effective way to compensate employees.

There are three popular health benefit programs for employees: traditional, HMO, and PPO. Some employers will offer just one or two of the three. Other business houses, especially ones with a diverse group of employees, will opt for all three.

There are lots of different types of health insurance. There are plans that cover medical services and prescription medicines, plans that cover dental expenses, disability insurance that replaces income lost due to extended illness or injury, long-term care, and so on.

Health insurance plans can sometimes bought by employers and offered to employees as part of their compensation, or "benefits".

Health insurance plans are usually sold once and then renewed annually. So when you buy a health plan, the insurer agrees to pay for health expenses as long as the premiums are paid on time and the account is in good standing.