For that reason it is important that you know as much about health insurance as possible before you go looking for it. For that reason the following is a short history of health insurance and what it consists of. The concept of health insurance was proposed in 1694 by Hugh the Elder Chamberlen. In the late 19th century, early health insurance was in reality disability insurance, in that it covered only the expense of emergency care for injuries that might end up as a disability. The model of payment went on until the start of the 20th century in some jurisdictions such as California, where any laws that acted to regulate health insurance were actually referring to disability insurance. Health insurance patients were expected to pay all other health care costs out of their own pockets, except those relating to a disability under what was then known as the fee-for-service business model. It was during the middle part of last country in which traditional disability insurance coverage turned into being more like modern health insurance programs. Today the majority of comprehensive private health insurance programs include the costs of routine, preventive, and emergency health care procedures, and also most prescription drugs, something that previously was not always the case. A health insurance policy is a legal, binding contract that exists between an insurance company and its customer. The main difference between privately purchased health insurance and privately attained life insurance is that in the case of life insurance, a person may purchase insurance that cannot be taken away from him and at a guaranteed premium, while health insurance is usually purchased from year to year with generally no guarantee of renewability and if renewable no guarantee that the premium rates will stay the same. So you have to use your own common sense when it come to finding the best health insurance and in getting a health insurance quote for individual health care. But keep one thing in mind. When you buy insurance you may someday need to use it. In that case you are going to want quick and easy access to your own personal agent to give you the assistance that you will need to make your claim. So it is usually a good idea to work through someone whom you know well.