health insurance is something everyone needs.  But millions of American's don't have it.  Why not ?  Mainly because it can be expensive.

Health Insurance usually comes with a job.  If you work for a small company, you should be able to add on to their scheme.  Their insurer isn't allowed to discriminate, even if you have existing medical conditions.

Health insurance conditions vary by state.  But federal law covers some of the more important issues.  For example, if you live in California, there's various rules on non-discrimination and your existing insurance is guaranteed renewable.

If you leave your job, you should be able to remain in your old group health plan for a certain length of time.  Then when you move to a new job, within a specified time period, cover will transfer over without any break.

A full explanation of health insurance is too complex for this site.  See our partner links for more health insurance information.