What does health insurance primarily protect against concerning the insured?

The correct answer focuses on the primary purpose of health insurance, which is to provide financial protection against the costs associated with medical care due to health issues that may arise. This includes covering expenses related to illnesses, hospital stays, doctor visits, and various treatments.

While living too long may be a concern in terms of long-term care insurance, health insurance specifically aims to safeguard individuals against financial burdens that result from illness and unexpected medical needs throughout their lives, rather than simply extending coverage for longevity.

In contrast, the options of accident, injury, and illness reflect specific scenarios that health insurance can help manage, but they do not encapsulate the broader objective of health insurance, which is designed to mitigate the financial risks associated with all possibilities of health issues that could arise, ensuring that individuals have access to necessary medical care without facing overwhelming costs.