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Health Insurance Basics: Key Words and Phrases You Need to Know


In user-friendly language, this guide (PDF) explains many of the health insurance terms that consumers need to understand when they are shopping for insurance. (The brochure is available in English and Spanish.)

There are different costs associated with health insurance. When choosing a plan, consumers need to take into account all of the costs for each plan. The brochure explains these costs, including

  • premiums
  • deductibles
  • copayments
  • co-insurance
  • out-of-pocket limits

Different plans have different rules about how to get health care and still have the plan cover medical costs. Consumers should know these rules to make sure they get the benefit of their plan’s coverage and save money. The brochure explains these rules.

The brochure also lists important points consumers should keep in mind to help them pick the right plan.

Co-produced with the National Council of La Raza (NCLR).