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Have you ever taken a "mental health" day off from work simply to relieve stress? A detailed cityscape or nature scene may present enough of a distraction to keep you exercising for a few more minutes each day. Better to try brisk walking, 30 to 60 minutes a day, which can also raise your heart rate to fitness range. This is usually because employers and other organizations can get better rates because they have a large number of people to cover. Employers typically bear the brunt of the expense for health insurance, but individuals are paying more and more each year as well. Many companies offer health insurance for individuals and specialize in short-term coverage to fill in between employer coverage. Health insurance is a contract between you and the insurance company that says that the insurance company will pay a portion of your medical expenses if you get sick or hurt and have to visit a doctor's office or hospital. The policy will also state the amount you have to pay each month for the coverage, known as the premium, and the total amount the insurance company will pay out for the life of the policy, which is commonly referred to as a lifetime maximum.

However, the amount of your bill that the insurance company will pay, and under what circumstances they'll pay it is known as coverage and can vary greatly from policy to policy. Insurance is a bit like a gamble between you and the insurance company. The company bets that they'll take in more money in premiums than they have to pay out in benefits, whether it's for health insurance, auto insurance, life insurance or homeowners insurance. Since a single hospital stay could wipe out your savings (and more), not many people can afford to go without some kind of health insurance -- even if they're healthy. This might be attributed to the fact that health care costs can be very expensive, and the cost of even the most basic care is steadily rising. Most employer's group insurance plans are managed care plans, typically either HMOs or PPOs. Also, once group insurance is offered, it falls under the protection of the Health Insurance Portability and Accountability Act (HIPAA) regulations. The act also helps regulate waiting periods of health plans to help achieve continuous coverage for most employees and helps ensure that employees have access to health care if they lose their job.

What's the difference between all of the various plans there are to choose from? While there are a lot of different ways to get health insurance, it's good to know what you may be eligible for before you start your health insurance search. In 2006, employer insurance premiums increased 7.7 percent, twice the rate of inflation. Normally, this translates into premiums that are much lower than those found in individual health insurance plans and are the same price for everyone in the group regardless of their health. Catastrophic, or High Deductible Health Insurance: Catastrophic health insurance usually has high deductibles and low monthly premiums. According to the National Coalition on Health Care, in 2005, over 80 percent of employees were eligible for employer-group insurance and 83 percent of those who were offered, opted for these types of plans. Types of insurance plans include fee-for-service plans, PPOs, HMOs and catastrophic insurance.

But, when going outside the network you'll usually have to pay a deductible (around $300 for an individual) as well co-insurance (usually 30 to 40 percent) as you do with FFS plans. These deductibles and co-payments, along with any other nonreimbursable expense you may pay is referred to as an out-of-pocket-expense. The maze of information you have to wade through about claims, co-pays, co-insurance, deductibles and more is enough to make your head swim. Other policies may have co-insurance, which is a percentage of the bill that you're required to pay, which may be in addition to your deductible and co-payment. For example, the policy may cover an office visit, but you may have to pay a $20 co-payment. Often, the total amount of co-insurance you have to pay in a given policy is capped by the policy's maximum. Or, the policy may not cover anything until you've paid an agreed upon amount out of your pocket, which is known as a deductible.

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