The Right Choice, Simplified.
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Key Factors
Monthly Premium
What you pay on a monthly basis
Max Out-Of-Pocket
The most you’ll pay for covered healthcare services in a year, after which your insurance covers 100% of the costs.
Health Deductible
The amount you pay first before insurance starts to contribute.
Co-Pays
Fixed amount you pay out-of-pocket for medical services, like doctor visits or prescriptions, at the time of service.
Co-Insurance
The percentage split between you and insurance once your health deductible is met.
Network
A group of healthcare providers that offer services at discounted rates through your insurance plan.
Ways to Obtain Coverage
01. Government
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ACA Marketplace (Obamacare)​
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Medicaid (for low-income individuals and families)​
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Medicare (for individuals 65+ or certain disabilities)​
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CHIP (Children's Health Insurance Program for low-income families)
02. Private
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Private health insurance companies (individual or family plans)​
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Health sharing ministries (faith-based sharing programs)​
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Short-term health insurance plans (temporary coverage)​
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Catastrophic health insurance (high-deductible plans for emergencies)
03. Employer
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Employer-sponsored health plans (group insurance)​
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COBRA coverage after leaving a job (18 months maximum)
04. Military
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TRICARE (for military personnel and their families)​
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VA Health Care (for veterans)
05. Other
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Student health plan(s) (through colleges or universities)​
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Association health plans (through trade or professional organizations)​
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Direct Primary Care (membership-based primary care services)
