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Advantages of Membership

Understanding Health Insurance

Buying health insurance doesn't have to be complicated. View our easy to understand, free, printable Health Insurance Buyers Guide .

You can make better choices about your health care coverage once you know what your health insurance options are. Let's start with the basics.

  • Health insurance helps protect you against the high costs of health care.
  • It works like other types of insurance where you pay a monthly payment (premium) and the insurance company promises to pay certain costs.
  • Most people are required to have health insurance or pay a penalty.

Types of Health Insurance

There are different types of health insurance coverage to choose from. From longer-term, major medical to short-term, dental, and government programs. Knowing what each type offers will help you choose the right plan.

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Understanding Health Care Costs

When buying health insurance, you need to know how premiums, deductibles, copayments, and coinsurance work so you can choose the right plan for your health care needs and budget.

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Glossary of Health Insurance Terms

Health insurance and medical jargon may be hard to understand. We've made it easy for you by providing clear definitions of common health insurance terms.

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How to Enroll

The Affordable Care Act makes it easier to get health insurance for you and your family. Learn the 3 ways you can shop for the coverage that best fits your needs.

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