Coverage for Everyday and Unexpected Medical Needs
Health insurance helps cover eligible medical expenses such as doctor visits, hospital care, prescriptions, preventive services and other healthcare needs
Health insurance is coverage designed to help pay for eligible medical and healthcare expenses.
Depending on the plan, coverage may include preventive care, doctor visits, hospital services, prescription drugs, emergency treatment and other medical services.
Health insurance plans can differ significantly in premiums, deductibles, provider networks and out-of-pocket costs, so comparing plan features is important.
Why Consider Health Insurance?
Medical Cost Protection
Coverage can help reduce the financial impact of doctor visits, hospital care and other eligible medical expenses.
Preventive Care
Many plans include preventive services such as routine checkups, screenings and vaccinations.
Access to Care
Health plans can provide access to networks of doctors, hospitals and other healthcare providers
Explore Health Insurance Types
HMO Plans
Use a network of providers and typically require members to select a primary care physician.
Disclaimer: Health insurance premiums, deductibles, benefits and provider networks vary by insurer, state, age, household and plan. Coverage terms and eligibility requirements should be reviewed before enrollment.
What Can Affect Health Insurance Costs?
Age
Age can influence premium pricing in many individual health insurance markets.
Location
Premiums and available plans can vary significantly by state and local market.
Plan Type
HMO, PPO, EPO and high-deductible plans can have different pricing structures.
Deductible
Plans with lower deductibles often have higher monthly premiums.
Coverage Level
More comprehensive benefits can result in higher premiums.
Household
Family size and the number of people covered can affect total plan costs
Who May Consider Health Insurance?
Health insurance may be worth considering if you want protection against routine and unexpected medical expenses.
Common Reasons
Routine medical care
Prescription drug coverage
Hospital protection
Preventive services
Family healthcare needs
Self-employed coverage
Coverage between jobs
Protection from large medical expenses
Benefits and Things to Consider
Benefits
Helps cover eligible medical expenses
Access to preventive care
Protection against major healthcare costs
Prescription coverage may be included
Multiple plan types available
Things to Consider
Premiums can be significant
Deductibles vary widely
Provider networks may be limited
Out-of-network care can cost more
Benefits and exclusions differ by plan
Health Insurance vs. Other Protection
Health Insurance
Helps cover eligible medical care, hospital services and other healthcare expenses.
