There are four common reasons why most people do not have health insurance or health plans. These four reasons are: (1) You are self employed. (2) You are unemployed. (3) Your current job does not offer coverage. (4) You have been released from your parents’ coverage. Whatever the reason may be, it is important for you to get covered.While doing some research on healthcare, you may come across two different types of medical coverage. The first is “health insurance” which includes HMO’s, PPO’s, and traditional coverage. You may also come across something called discount “health plans”. These healthcare types are a little different from one another and you should understand what they are all about before making a final decision on what kind of coverage you choose.Health InsuranceWhen choosing a health insurance plan you are going to need to choose between three different sub categories: PPO’s, HMO’s, and Indemnity Plans. There is not much difference between a PPO (Preferred Provider Organization) and an HMO (Health Maintenance Organization). They are both options that your keep your premium costs down by only allowing you to see doctors or visit