Health insurance
Health coverage, explained simply
Premiums, deductibles, copays and networks, in plain English, so you can compare plans with confidence.
What it covers
The parts of a policy, in plain English
Premium
What you pay each month to keep the plan, whether or not you use it.
Deductible
What you pay for covered care before the plan starts sharing the cost.
Copays and coinsurance
Your share of each visit or service once the deductible is met.
Network
The doctors and hospitals the plan works with. Out-of-network care can cost much more.
What affects your price
Why two quotes can look so different
Every insurance company weighs things a little differently, which is why comparing matters. These are the factors that usually move the price most.
- Where you live and the plans offered there
- Your age and whether you use tobacco
- The metal level and network type you pick
- Your household income, which can affect marketplace savings
Questions
Common health insurance questions
When can I buy health insurance?
Most people enroll during the yearly Open Enrollment Period. Outside it, you usually need a qualifying life event, such as moving, marriage or losing other coverage.
What is an out-of-pocket maximum?
The most you would pay for covered care in a plan year. After you reach it, the plan pays 100% of covered costs for the rest of the year.
HMO or PPO?
HMOs usually cost less but need referrals and in-network care. PPOs cost more but let you see specialists and out-of-network providers more freely.
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My Perfect Insurance Quote is a free insurance education and comparison resource. We are not an insurance company, and we do not sell or underwrite policies. Coverage, prices and eligibility are set by each insurance company and can change. [CONFIRM licensing: add agency or producer licence details here if a licensed partner places policies.]
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