Health Insurance FAQs

HMOs usually require referrals and stick to in-network care; PPOs allow more flexibility at higher costs.

Enroll during open enrollment or if you qualify for a special enrollment period after a qualifying event.

Consider HDHP + HSA, higher deductibles you can afford, and check subsidies/tax credits.

The most you pay in a year for covered services; after that, the plan pays 100% of allowed amounts.

Extra savings for eligible incomes on Silver plans purchased through the marketplace.