Insurance Basics: Home

Choosing a Health Plan

Your employer may offer more than one health plan, or you may be shopping for your own individual plan.

Choosing a Health Plan
Dental Coverage for Children

Regular dental care is important for all people, but especially for children. The Affordable Care Act (ACA) requires federal and state-run health insurance exchanges to offer children´s dental coverage.

Dental Coverage for Children
Palliative Care and Shared Decision Making

Palliative care is medical care that tries to relieve discomfort and stress for people with serious illnesses. It focuses on improving quality of life for patients and their families. Palliative care doesn’t try to cure the illness.

Healthcare Proxies and Advance Healthcare Directives

Healthcare proxies and advance healthcare directives can help you plan your care if you ever lose the ability to communicate clearly.

High-Deductible Health Plans

High-deductible health plans (HDHPs) have lower premiums than traditional health coverage

Limited Health Plans: AHPs and STLD Plans

New rules have expanded access to two types of limited health insurance plans. They are association health plans (AHPs) and short-term, limited duration (STLD) health plans. Because they don’t have to follow the Affordable Care Act, these plans can cost less than regular health plans. But, they have limitations you should know.