Health Insurance Guides
Understand coverage, compare plans, and make confident choices with expert guidance tailored to your needs.
Coverage made simple
Coverage Options
Learn the differences between HMOs, PPOs, HSAs, and more.
Provider Comparisons
Compare networks, costs, and benefits to find the best fit.
Policy Guides
Practical tips to understand deductibles, copays, and claims.
Find the Right Plan
Get personalized support to navigate enrollment and choose coverage aligned with your needs.
Coverage Types
Understand common plan structures
HMO
Lower cost, primary care referrals required, smaller networks.
PPO
More flexibility, higher premiums, larger networks.
EPO/HDHP
Lower premiums, limited networks; HDHP pairs with HSA.
Compare Plans
Key differences at a glance
| Feature | HMO | PPO | EPO/HDHP |
|---|---|---|---|
| Monthly Premium | Low | Medium–High | Low |
| Deductible | Low–Medium | Medium | High |
| Out-of-Network | No | Yes | Limited |
| Referrals Needed | Yes | No | No |
Enrollment Steps
A simple process to get covered
Assess Needs
List providers, prescriptions, and budget.
Compare Plans
Review networks and costs.
Apply
Submit enrollment forms on time.
Confirm
Get member ID and start coverage.
Glossary
Common terms explained
Deductible
Amount you pay before insurance begins to cover costs.
Copay
Fixed fee due at the time of service.
Coinsurance
Percentage of costs you pay after deductible is met.