Health insurance explained in plain English
Learn the five terms that matter most, premium, deductible, copay, coinsurance, and your out-of-pocket maximum, without the jargon.
Health insurance explained in plain English
No confusing jargon here. Just clear, simple definitions for the health insurance terms you actually need to know.
Premium
Your monthly payment to keep coverage active. You pay it even if you don't use care.
Deductible
What you pay out of pocket each year before your plan starts covering most services.
Copay
A fixed fee you pay at each visit, like $30 for a doctor's appointment.
Coinsurance
Your share of a bill after the deductible, shown as a percentage like 20%.
Out-of-pocket max
The most you'll pay in a year. After this, your plan covers 100% of covered care.
Network & HSA
Network: your plan's list of doctors and hospitals. HSA: a tax-free savings account for medical costs.
76 days to get covered
Your questions about timing, answered simply. Still unsure? Reach out.
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