Health coverage that fits your life.

A deductible is the amount you may pay for certain covered services before a plan starts sharing more of those costs. Some services, such as preventive care, may be covered before you meet it depending on the plan.

A copay is a fixed amount you may pay for a covered service, such as a primary care visit or a prescription. The amount and when it applies depend on the plan.

Coinsurance is your share of the cost of a covered service, usually expressed as a percentage. It can apply after you meet your deductible, depending on your plan.

It is the most you may pay for covered in-network services in a plan year, not including premiums. After reaching it, the plan generally pays 100% of covered in-network costs for the rest of that year.

Start with your expected care needs, preferred doctors, medications, monthly premium, deductible, and out-of-pocket maximum. Always review official plan documents before making a decision.

You may be able to enroll outside Open Enrollment if you qualify for a Special Enrollment Period, Medicaid, CHIP, or another coverage path. Rules and availability vary by location and situation.

A provider network is the doctors, hospitals, and other health care professionals contracted with a health plan. Using in-network care may affect how much you pay.

Many plans include prescription drug coverage, but the medications covered, pharmacy rules, and your costs can vary. Check the plan's drug list and official documents for details.