Coverage for you and your family

What health insurance helps with

Health plans can help cover doctor visits, hospital stays, prescriptions, preventive care, and more. What a plan covers—and how much you pay—depends on the plan type, network, and benefit design.

Key terms to know

• Premium

  The amount you pay for your plan, often monthly.

• Deductible

  The amount you pay for covered services before your plan begins to share the cost.

• Copayment & coinsurance

  Your share of the cost for a covered service—a fixed amount (copayment) or a percentage (coinsurance).

• Network

  The doctors, hospitals, and providers a plan has agreed to cover at a negotiated rate.

Things to consider

Think about the doctors and providers you use, the prescriptions you take, your budget for monthly costs and out-of-pocket expenses, and whether your care is typically in-network. Plan details and availability vary by area.