Family health insurance refunds you for a large portion of your health care costs when they arise and they make the care more affordable to you. The cost of treating an unexpected illness or injury is likely to be much more than the premiums you pay for your health insurance.

To purchase individual health insurance, a person must generally answer a health questionnaire and undergo a medical examination to provide evidence of insurability to the insurance company. But most family insurance is issued without medical examination or other evidence of individual insurability because the insurer knows that it can cover enough individuals to balance those in poor health against those in good health.

Family health insurance offers a lower cost per unit of protection than individual insurance, because the economies of scale resulting from selling, installing and servicing one plan covers many individuals. In addition, family health insurance plans are more flexible and provide more liberal benefits than individual coverage’s.

Family health insurance offers security. Your health insurance policy decides a lot like whether you'll get treatment for an injury or illness and how much health care is covered. Your policy also decides who will provide for your healthcare, what will be the quality of your health care, how much you have to pay for your healthcare and where and when you will receive healthcare.

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