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It depends on what you buy. U.S. does not require health insurers in the individual market to sell standardized individual health insurance policies. Health plans can design different policies and you will have to read and compare them carefully. However, U.S. does require all health plans to cover certain benefits, such as diabetes care. Check with the U.S. Department of Insurance for more information about mandated benefits.

With all life insurance, there are basically two functions that make it work. There's a mortality function and a cash function. The mortality function would be the classical notion of pooling risk where the premiums paid by everybody else would cover the death benefit for the one or two who will die for a given period of time. The cash function inherent in all life insurance says that if a person is to reach age 95 to 100 (the age varies depending on state and company), then the policy matures and endows the face value of the policy.