Health Insurance Learn Center

Everything you need to know about health insurance, from copay to coinsurance.

Basics

What Is Health Insurance?

What is health insurance, and who needs it? Find out in this 101 guide.

What Is the Affordable Care Act?

Learn the details on this landmark health insurance law, and what still applies to you today.

What Is a Health Insurance Premium?

How much will you pay to keep your health insurance active? Learn what goes into your premium.

What Is a Health Insurance Deductible?

Know how much you’ll need to spend out of pocket before insurance starts to pay for covered medical expenses.

Types

Health Maintenance Organization (HMO)

An HMO limits your coverage to a particular network of providers.

Preferred Provider Organization (PPO)

A PPO features a network of providers with a lower rate, along with covering some out-of-network expenses.

Exclusive Provider Organization (EPO)

An EPO is a hybrid plan that does not cover out-of-network expenses but offers flexibility for specialists.

What Are the Differences Between an HMO, PPO, EPO, and POS Plan?

Still looking for the perfect policy? Compare your health insurance options side-by-side.

Common Costs

What Is Coinsurance?

Learn when you still need to pay part of your health insurance cost, even after your deductible.

What Is Copay?

Learn how these flat fees affect how much you ultimately pay for health insurance.

What Is Out-of-pocket Maximum?

Health insurance covers many costs, but there are some expenses you'll need to pay no matter what.

What Is a Subsidy?

Subsidies help you pay for various health insurance costs. Learn when you do and don't qualify.

FAQs

What Do the Metal Tiers (Bronze, Gold, Silver and Platinum) Mean?

Health insurance comes in four tiers: Bronze, Silver, Gold, and Platinum. Here's whta they mean.

Special Enrollment Period: How to Qualify for Health Coverage

When can you buy health insurance outside open enrollment? Find out the circumstances when you can still shop.

Does Health Insurance Cover Prescription Drugs?

Will your health insurance cover prescription medication? Learn what's covered and how much it costs.

What Is a Specialist Physician?

You may need a referral to see a doctor that focuses in a specific field of medicine.