What is false about health insurance?

A common misconception about health insurance is that it covers all medical expenses without any out-of-pocket costs. In reality, most plans require deductibles, copayments, and coinsurance, meaning individuals often pay a portion of their healthcare costs. Additionally, many insurance policies have exclusions for certain treatments or pre-existing conditions, which can lead to unexpected expenses. Understanding the specifics of a policy is crucial for anticipating healthcare costs.