Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
The Affordable Care Act (ACA) of 2010 makes it easier for many Americans to get health insurance. It also expands the services that health plans need to cover.
Your plan may have different rules and costs for different healthcare settings. In any setting, you may have to pay a copay, and in some cases, coinsurance. But, these may be waived for preventive services like flu shots and mammograms.
Healthcare proxies and advance healthcare directives can help you plan your care if you ever lose the ability to communicate clearly.
If you´re an immigrant, getting healthcare in the United States may seem complicated. It may also be hard to get health insurance, which can help you pay for the healthcare you and your family need.
For many health services, you have time to plan and shop around. If you’re getting the service in a hospital or health system, you may be able to check the price ahead of time at different facilities. You can also use the Shoppable Services tool on this website to learn the average price for the service in your area and surrounding areas.
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