Buying Health Insurance For Dummies [SAFE]

: Higher premiums, but lower costs when you get care. Best if you have ongoing medical needs. 3. Networks: HMO vs. PPO

: Use the HealthCare.gov Marketplace to find ACA-compliant plans and see if you qualify for subsidies. buying health insurance for dummies

: 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. : Higher premiums, but lower costs when you get care

Insurance companies have "networks" of doctors they’ve negotiated cheaper rates with. : Higher premiums

: 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

: Check Medicaid or Medicare if you meet specific income or age requirements.