Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
Health insurance protects you from paying the full cost of your care. But, you will likely still have to pay some money out of your pocket. Almost all plans call for “cost sharing”. That means your insurer pays for part of your care, and you pay for part.
High-deductible health plans (HDHPs) have lower premiums than traditional health coverage
Your health insurance ID card is your proof of insurance. You use it when you visit the doctor, hospital or other provider.
Visiting your doctor or other healthcare provider? Whether you’re seeing your provider online or in person, good communication between you and your provider is key to getting the most out of your visit.
Health insurance is important. It protects you against what can be the very high costs of healthcare. But, to get health insurance, you need to enroll, or sign up. And, in most cases, you can’t enroll in a health plan any time you want. You have to do it during certain times.
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If you choose a high-deductible health plan (HDHP), you´ll pay less each month than you would in a traditional plan. But, you´ll also have to pay more up front before your plan starts paying for your care.
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Every health plan has different coverage, doctors and out-of-pocket costs. Make sure you choose the best plan for you.