How deductibles work
A deductible is generally the amount you pay for covered health care services before your plan begins to pay. Check the plan details: some services may be covered before you meet it.
Educational resources
Health insurance, explained simply.
Simple explanations for common coverage questions. This is general education—not personalized insurance advice.
HMO vs. PPO
These are different kinds of provider networks. Check whether referrals are required and what the plan says about care outside the network.
Understanding premiums
Your premium is the amount you pay for your health plan each month. It is separate from the costs you may pay when you receive care.
Choosing a family health plan
Compare provider networks, covered drugs, deductibles, and expected health care use—not only the monthly premium.
What to know before enrolling
Keep the exact plan name handy when checking a provider directory, and review the plan documents before you choose.
For complete, current plan information, review official plan materials and visit HealthCare.gov.