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Commercial health insurance refers to a type of insurance coverage that individuals or employers purchase from a private insurance company to help cover the cost of medical expenses. This type of insurance typically includes a variety of plans and options that offer coverage for services such as doctor visits, hospital stays, prescription medications, and preventive care. Premiums are paid on a regular basis in exchange for the insurance company agreeing to pay a portion of the covered medical expenses. Commercial health insurance is different from government-funded health insurance programs like Medicare and Medicaid, as it is purchased directly by individuals or through an employer-sponsored plan.