Cover Health Care Needs

 Health insurance is one of the most important – yet often overlooked – financial concerns we all face. Remember: everyone is now required to have health insurance, and help is available for those who cannot afford it. Most employers will provide health insurance for a premium, but there is a public option called Covered California for individuals without health care.

No matter where you are in life, your health and well-being are of the utmost importance. This includes planning for your own long-term care and the care of sick, disabled, or aging family members. This also entails ensuring loved ones know your health care preferences and who is authorized to make financial decisions for you should you become unable to do so

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 Key Terms

Advance health care directive: Official document that lets your physician, family, and friends know your health care preferences, including the types of special treatment you want or don't want at the end of life, your desire for diagnostic testing, surgical procedures, cardiopulmonary resuscitation and organ donation.

Health insurance: A contract that requires your health insurer to pay some or all of your health care costs in exchange for a premium.

Long-term care: A variety of services designed to meet a person's health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own.

Premium: The amount you pay for your health insurance that may be billed annually, semi-annually, quarterly, or monthly.