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The term health insurance is generally used to describe a form of insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through government-sponsored social insurance programs, purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the groups or individuals covered pay premiums or taxes in order to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government rather than the beneficiaries.

Check insurance costs before buying a new car. The type of car you drive affects your rates. Not every company will insure a high performance automobile, and those that do set high premiums. In general, insurance companies have had much higher losses on sporty cars than on family cars - four door sedans, wagons, or economy cars.