Frequently Asked Questions
Copays are flat fees for certain services, while coinsurance is a percentage of costs you pay after meeting your deductible.
Yes, you may qualify for subsidies under the ACA based on income and household size, reducing premium costs.
Generally, no. Most health insurance plans have an open enrollment period unless you qualify for a special enrollment due to a life event.
Health insurance generally covers medical expenses such as doctor visits, hospital stays, prescriptions, and preventive care, but coverage varies by plan.
These are types of health insurance networks. HMOs require you to stay within a network and need referrals; PPOs offer flexibility to see out-of-network providers; EPOs have a network-only structure but without referrals.
A deductible is the amount you pay out of pocket before your insurance begins to cover expenses, though preventive care may still be covered before meeting the deductible.
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