Health insurance is a type of insurance coverage that typically pays for an individual's medical, surgical, prescription drug, and sometimes dental expenses. Health insurers use various models, including fee-for-service, capitation, and managed care, to finance and organize health care services. These policies can be purchased by individuals or provided as employee benefits by employers. Health insurance helps to protect people from the high costs of healthcare by covering part or all of the expenses associated with treatment and care. It often requires policyholders to pay a premium, deductible, copayments, and sometimes coinsurance.