Understand your options before you enroll.
Start with who needs coverage, then get familiar with the terms that actually affect your cost — no jargon, no pressure to decide right now.
Who needs coverage?
This page explains general plan concepts and does not display real-time pricing. Specific plans, carriers, and premiums available to you depend on your eligibility, household, and location, and are confirmed with a licensed agent during enrollment.
Plain Language
What these terms actually mean
Premium
What you pay each month to keep your plan active, regardless of whether you use care that month.
Deductible
What you pay out of pocket for covered care before your plan starts sharing the cost with you.
Network
The doctors, specialists, and facilities your plan has agreements with — using them usually costs less.
Out-of-Pocket Maximum
The most you’d pay in a plan year before your plan covers 100% of additional covered costs.