Health coverage that protects your care and your finances
Health insurance helps cover the cost of medical care, prescriptions, preventive services, and unexpected health expenses, giving you greater financial confidence when you need care.
Why health insurance matters
Medical expenses can become costly without coverage. A health insurance plan helps reduce those costs while giving you access to doctors, hospitals, medications, and essential healthcare services.
Coverage options
Individual vs. family health insurance
Health plans can be structured around your personal needs or provide coverage for multiple members of your household.
Individual Health Insurance
Individual health insurance provides medical coverage for one person. Plans may include preventive care, doctor visits, hospital services, prescription medications, laboratory testing, and emergency care.
Family Health Insurance
Family health insurance covers multiple household members under one plan. It can include spouses, children, and other eligible dependents, with shared deductibles and out-of-pocket limits depending on the policy.
Plan costs
Understanding what you may pay
Health insurance costs involve more than the monthly premium. Reviewing each part of a plan can help you understand its overall value.
Premiums, deductibles, copayments, and out-of-pocket limits work together to determine how much your healthcare may cost.
- ? Premium: the amount you pay regularly to keep your coverage active
- ? Deductible: the amount you may pay before the plan begins sharing certain costs
- ? Copayment or coinsurance: your portion of the cost for covered healthcare services
- ? Out-of-pocket maximum: the most you may pay for covered in-network services during a plan year
A lower monthly premium may come with higher out-of-pocket costs, while a higher-premium plan may reduce what you pay when receiving care.
Choosing a plan
What should your health plan include?
The right plan should reflect your healthcare needs, preferred providers, prescriptions, and expected level of medical care.
Compare plans based on total value, not only the monthly premium.
- ? Are your preferred doctors, specialists, and hospitals in the provider network?
- ? Are your regular prescription medications included in the plan's drug coverage?
- ? How frequently do you expect to need appointments, testing, therapy, or specialist care?
- ? Does the plan include emergency care, preventive services, maternity care, mental health support, and other services important to you?
Reviewing these details before enrolling can help prevent unexpected restrictions or expenses later.
Coverage for ongoing medical needs
If you manage a chronic condition or receive regular treatment, compare specialist access, prescription coverage, testing benefits, therapy services, and expected out-of-pocket costs carefully.
Check where and from whom you can receive care
Health plans may use specific networks of doctors, pharmacies, hospitals, laboratories, and specialists. Receiving care outside the network may result in reduced coverage or higher costs.
Plan comparison
Balance monthly premiums with healthcare costs
Your ideal plan depends on how often you expect to use medical services and how much financial risk you are comfortable carrying.
May suit people who expect limited medical care and are comfortable paying more out of pocket before certain benefits apply.
May suit people who expect regular appointments, prescriptions, specialist visits, or ongoing treatment throughout the year.
When can you enroll?
Health insurance enrollment may be available during an annual open enrollment period or after a qualifying life event such as marriage, having a child, relocating, or losing existing health coverage.