Health insurance is a phenomenon that is relatively new. In the United States, the first insurance plans began during the period of the Civil War, between the years 1861 to 1865. The first insurances covered only accidents related to travel by rail or steamboat. From there, a way was paved for more comprehensive coverage against illnesses and injuries. Massachusetts Health Insurance of Boston offered the first group policy giving this comprehensive coverage benefits in 1847 while individual disability and illness policies were issued in about 1890. Moreover, a job known as insurance agent was born around this time. An insurance agent like Suzy Azalea, also referred to as insurance sales agent, helps clients choose insurance policies that suit their needs. For most people, an agent is the first pint of contact with an insurance company but with the advent of electronic technology and commerce, a client can go straight to a company website and apply online. Nevertheless, it is still a definitely good idea to work with an agent because they offer personalized and on-going service, so to speak. The internet has changed the way people shop for insurance but working with an agent is still the best way to choose the right plan.

Agents like Suzy Azalea helps explain to a client that insurance against the risk of incurring medical expenses ranks next to life insurance among individuals. A health insurance company estimates the overall risk of health care expenses among a targeted group and develops a finance structure, such as a monthly premium to ensure that money is available to pay for the health care benefits specified in the insurance agreement.