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Understanding your health insurance

A premium is what you pay to maintain coverage; deductible is the amount you pay for treatment before the insurance company covers remaining expenses; copay is for routine medical services; and out-of-pocket maximum limits the total amount you pay each year for health care.

How to choose health insurance

How to choose health insurance

When choosing health insurance you need to: 1. Decide whether to buy through your employer or state’s Marketplace. 2. Compare the plans available to you. 3. Consider the out-of-pocket costs associated with your shortlist of plans.