What makes health insurance different from other forms of insurance? Most importantly, health insurance covers conditions that may mean the difference between life and death. Delays and denials are ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

With a self-insured health plan, your employer pays for your medical claims directly. With a fully insured plan, an insurance company pays claims on behalf of an employer. Both fully insured and ...