Protect Your Health & Finances with Quality Coverage
Access the healthcare you need without breaking the bank.
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What Is Health Insurance?
Health insurance is coverage that pays for medical and surgical expenses incurred by the insured, helping you access necessary healthcare while protecting you from high medical costs.
What's Covered:
• Doctor visits: Primary care and specialists
• Prescriptions: Medications and pharmacy costs
• Hospitalization: Inpatient and outpatient care
• Preventive care: Screenings and vaccinations
• Emergency services: ER visits and urgent care
Plan Types:
• HMO: Lower cost, network restrictions
• PPO: More flexibility, higher cost
• EPO: Network-only, no referrals needed
• HDHP: High deductible, lower premiums
Why Health Insurance Is Important
Access to Care
Get the medical treatment you need when you need it
Financial Protection
Avoid major medical debt from unexpected health issues
Preventive Care
Regular checkups help catch problems early
Peace of Mind
Focus on your health, not the cost
When You Need Health Insurance
You need health insurance when:
• Starting a new job without employer coverage
• Becoming self-employed or freelancing
• Aging out of parent's plan (age 26)
• During open enrollment periods
• After major life changes (marriage, divorce)
How to Get the Best Health Insurance Deals
• Compare marketplace vs private insurance options
• Check if you qualify for subsidies or tax credits
• Consider your healthcare usage patterns
• Review network coverage for your doctors
• Balance premiums with deductibles and copays
💡 Did You Know?
8.5% of Americans are uninsured, but many qualify for free or low-cost coverage
Health Insurance Statistics
$456
Average monthly premium
$10,739
Average ER visit cost
$1,644
Average deductible
91.5%
Of Americans have coverage
More questions about Health insurance? We have answers
We break down Health insurance so you don't have to: See all Health insurance resources.
Frequently Asked Questions
HMOs typically cost less but require you to stay within their network and get referrals for specialists. PPOs cost more but offer more flexibility in choosing providers.
Yes, under the Affordable Care Act, insurance companies cannot deny coverage or charge more due to pre-existing conditions.
You can enroll during open enrollment (typically Nov-Jan) or after qualifying life events like job loss, marriage, or having a baby.
You may qualify for premium tax credits if your income is between 100-400% of the federal poverty level. Use the marketplace calculator to check eligibility.
Protect Your Health Today
Find the right health insurance plan for your needs and budget