What are the advantages and disadvantages of health insurance?

Health insurance can provide a lifesaving force for those who are either ill or have chronic health conditions. People who have health insurance are more likely to go to a physician regularly, increasing the chances of any potential health problems being caught early. However, health insurance premiums can be very costly. Depending on the insurance, many medical procedures, tests or surgeries may not be covered, necessitating an enrollee to have to pay out of pocket for these expenses.