Final answer:
Health insurance allows individuals to transfer future medical expense risk to insurance companies through policies like Medical Expense and Long-Term Care.
Explanation:
Health insurance is a type of insurance policy that allows people to transfer future, unforeseen medical expense risk to an insurance company. One example of this is a Medical Expense policy, where individuals pay premiums to mitigate the financial impact of potential medical treatments. Additionally, Long-Term Care policies also fall under this category, offering coverage for extended medical care needs.
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