Definition: Affordability in relation to health insurance can be defined as an individual's ability to pay for or afford healthcare services without breaking their budget. The concept of "affording" refers to the fact that an individual has the financial resources to meet necessary medical expenses, such as medication costs and hospital stays. The act of paying for a health-related service does not necessarily require substantial means from the individual, but rather requires the ability to pay back the cost over time. To be "affordable", a patient must have access to healthcare services that are both safe and effective. This typically means having access to doctors and other medical professionals with the necessary credentials to diagnose and treat their condition effectively. The health insurance system also plays a role in determining whether an individual is able to afford certain types of health care services. For example, if someone is unable to pay for a hospital stay due to financial constraints, they may be considered "affordable" if their insurer offers sliding scale rates or other payment plans that allow them to cover the cost over time. Alternatively, if their insurer has an established program for providing financial assistance with certain types of health care, such as low-income individuals or those who have pre-existing conditions, they may be eligible for this type of benefit. Overall, affording health insurance involves a balance between meeting essential medical needs and ensuring that the cost of healthcare is not out of reach.