Health insurance helps to reduce medical costs, making health care more affordable and thus more accessible. Having health insurance also facilitates access to care, resulting in lower death rates and ...

Lena Muhtadi Borrelli is a seasoned insurance writer with several years of experience writing as an authority for respected financial sites such as Forbes, Time, Newsweek, Bankrate, CNET, Investopedia ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...