What is the primary purpose of health insurance?

The primary purpose of health insurance is to offer financial coverage for medical expenses. This allows individuals to mitigate the high costs associated with healthcare services, such as doctor visits, hospital stays, surgeries, medications, and other essential medical treatments. By having health insurance, individuals can access necessary care without facing overwhelming financial burden, as the insurance helps cover a significant portion of the costs.

Health insurance operates on the principle of risk pooling, where a group of people pays premiums into a shared fund. When any of the insured members require medical services, the fund is utilized to pay for the costs incurred, thus protecting individuals from the full financial impact of their health needs. This accessibility can lead to more timely treatment and better overall health outcomes, as patients are less likely to delay seeking care due to cost concerns.

While the other options mention important aspects of healthcare management and patient rights, they do not address the fundamental objective of health insurance as a financial safety net for medical expenses.