Help — Buying Health Insurance

Buying health insurance involves more than just picking the lowest monthly price. It requires balancing your monthly budget (premium) against what you'll pay when you actually see a doctor (out-of-pocket costs).

Depending on your situation, you have a few primary places to find coverage: help buying health insurance

Understanding these four terms is critical for estimating your total annual cost: Buying health insurance involves more than just picking

The official hub for individual and family plans under the Affordable Care Act (ACA). You can apply online to see if you qualify for subsidies based on your income. You can apply online to see if you

Your share of the cost for a specific service (e.g., a $30 flat copay for a doctor visit or a 20% coinsurance for a hospital stay).

The fixed monthly fee you pay to keep your plan active, regardless of whether you use it.

Often the most affordable option as employers typically pay about 83% of individual premiums.