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
High-Deductible Health Plans

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

High-Deductible Health Plans
Insured and Self-Insured Plans

Employers offer health coverage to their workers in several ways. Some buy an “off the shelf” plan from a commercial insurance company.

Negotiating Your Costs

Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.

Receiving Care from an Accountable Care Organization

An Accountable Care Organization (ACO) is a group of doctors or hospitals who have agreed to work together to coordinate and improve their patients´ care

Finding Treatment for Opioid Use Disorder

If you or someone close to you has opioid use disorder, also called opioid addiction, you aren’t alone. The United States is in the middle of an opioid crisis. Find out about how you can afford treatment—no matter what your income level is—and about resources for support.

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IN AND OUT OF NETWORK

When Out-of-Network Care Can Be Covered in Network
PLAN COSTS

Flexible Spending Plans
YOUR RIGHTS

Appealing a Reimbursement Decision
KNOW BEFORE YOU GO

Choosing Your Healthcare Provider In-Network and Out-of-Network Care