Which option describes coverage that is typically provided through an employer or purchased directly to help cover medical expenses?

• A. Medicare
• B. Private health insurance
• C. Public health plan
• D. Deductible

Answer: (B)

Private health insurance refers to coverage you obtain either through an employer or by purchasing a plan directly from an insurer. This type of coverage is designed to help pay medical expenses such as visits to doctors, hospital care, and prescriptions, and it is distinct from government-run programs. Medicare is a public program for seniors and certain disabled individuals, while a public health plan generally refers to government-provided options like Medicaid or Medicare. A deductible is simply the out-of-pocket amount you pay before coverage begins, not a type of coverage itself. So the description best matches private health insurance.