Health Insurance: Guides & Advice

Health Insurance

What you'll learn

Key terms explained

Premium, deductible, copay, coinsurance and out-of-pocket maximum each affect what you pay. We break down every term in plain English.

Types of plans

HMOs, PPOs, EPOs and high-deductible plans differ in cost, flexibility and how you access specialists. We compare them side by side.

Looking beyond the premium

The cheapest monthly premium isn't always the cheapest plan overall. Consider deductibles, expected care needs and prescription coverage too.

Checking your provider network

Before choosing a plan, check that your preferred doctors, hospitals and pharmacies are in network to avoid unexpected bills.

Preventive care coverage

Under the Affordable Care Act, most plans must cover a range of preventive services — such as certain screenings and vaccines — at no cost to you when you use an in-network provider.

Enrollment periods

Most people can only enroll or change plans during open enrollment, unless a qualifying life event such as moving, marriage or a new baby opens a special enrollment period.

Please noteThe content on this website is for informational purposes only and is not a substitute for professional medical advice, diagnosis or treatment. Always seek the advice of your physician or another qualified health provider with any questions about a medical condition. In an emergency, call 911 or your local emergency number.

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