Insurance is a way of protecting yourself against unexpectedly having to pay more than you can afford. For example, when you buy life insurance, you ensure that when you die your family will be able to afford to keep supporting themselves even though they have unexpectedly suffered the loss of your income. When you buy fire insurance, you ensure that if there is a fire you will have help replacing your house and belongings. If you buy Auto insurance, you ensure that if you get into an accident, you will have help paying for the repair bill no matter what the cost. These are fairly common types of insurance, but the insurance market has evolved to include more unusual types of coverage as well. When just about anything you can imagine has become insurable, why is it that health insurance lags behind? After all, health insurance is at least as popular and important as any other kind.