Insurance Basics: Home
Skipping health insurance may seem like you’re saving money in the short run—especially if you’re young and healthy. But the cost of getting care without health insurance can be more than you expect. An unforeseen hospital stay, for example, can cost you tens of thousands of dollars.
Your health insurance ID card is your proof of insurance. You use it when you visit the doctor, hospital or other provider.
Visiting your doctor or other healthcare provider? Whether you’re seeing your provider online or in person, good communication between you and your provider is key to getting the most out of your visit.
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.
Being covered under two health plans doesn't mean the two plans will pay the same amount twice for the same doctor visit. Instead, the plans follow rules about which plan pays what, known as "coordination of benefits."
Are you planning a medical procedure that requires an overnight hospital stay? Do you want an idea of how much the stay will cost in your area?
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