Health insurance answers, minus the headache
Real First Cover Health agents answer your most common health insurance questions in short, 2–3 minute videos. No jargon, no runaround, just plain-talk guidance you can actually use.
Find your answer by topic
Browse the most common health insurance questions, each explained in a short, jargon-free video by a First Cover Health agent.
Deductibles
What a deductible is, how it works, and what you actually pay before coverage kicks in.
Copay vs. coinsurance
The difference between a fixed copay and a percentage-based coinsurance, with real examples.
Out-of-pocket max
What counts toward your yearly maximum and when your plan starts paying 100% of covered care.
Choosing a plan
How to compare metal tiers, networks, and monthly costs to pick the right fit for your budget.
ACA subsidies
How premium tax credits work and whether you might qualify for lower monthly costs.
Medicare vs. ACA
Which path fits your situation, from turning 65 to covering the years before retirement.
Watch our agents answer your questions
Short videos on the questions we hear most, explained the way we'd explain them to you in person.
Real answers from the agents at First Cover Health
These are real questions from clients like you, answered by our licensed agents in their own words. No scripts, no jargon, no pressure. Just straight talk from the people who'll help you.
However, if you do not have time to watch a video, the written version of the same answers is available here.
No time to watch a video? The same plain-language answers, right here.
We answer every question within one business day
Submit your health insurance question and a licensed First Cover Health agent will send back a personalized, jargon-free answer.