Health insurance is important for protecting people's health and money, but it's not common in developing countries like Assam. The problem is that insurance companies struggle to enter the market due to information imbalances, leading to higher prices that hurt poor people the most. A study in Assam found that while adverse selection isn't a big issue, income plays a big role in who gets insurance. With many people in Assam living in poverty and facing high medical costs, having health insurance is crucial for improving their health. The government should provide health insurance for the poor to help them stay healthy.