: An annual period (usually late fall) where anyone can sign up for the next year.
: A fixed dollar amount (e.g., $25) you pay for a specific service, like a doctor's visit or a prescription. buying health insurance for dummies
: Higher premiums, but lower costs when you get care. Best if you have ongoing medical needs. 3. Networks: HMO vs. PPO : An annual period (usually late fall) where
: Usually limits coverage to care from doctors who work for or with the HMO. You typically need a referral from a primary doctor to see a specialist. Best if you have ongoing medical needs
Under the Affordable Care Act (ACA), plans are often categorized by "metal" levels, which tell you how you and the plan share costs:
: The absolute most you will pay in a year. Once you hit this, the insurance company pays 100% of covered costs. 2. Choosing Your "Metal" Level