No one can predict their medical bills. With health insurance, you pay an amount every month so that you don't have to pay all the costs of a major illness or injury. People with insurance are more likely to get routine and preventive care. Insurance keeps you healthier - medically and financially. But no plan pays 100 percent of your medical costs. The Learning Center can help you become a smart consumer and find the plan that best fits your family. We explain some of the basics of health insurance here - and where to go for more help.