Areas and offices included in your plan. If you see doctors that aren’t “in-network,” your cost may be higher.

State Health Insurance Marketplaces (also called Exchanges) are websites where you can get information about health insurance, see a variety of insurance options, compare plans, and purchase insurance. Depending on whether or not your state chose to run to its...

Basic categories of benefits that must be provided by plans on the new state Health Insurance Marketplaces, individual and small group plans not on the state marketplaces, and state Medicaid plans. These categories of services include: ambulatory services; emergency services;...

The amount you pay for care before your insurance kicks in. For example, if you have a $1,000 deductible, you will pay $1,000 before your insurance covers health care costs. There can be another deductible for a specific benefit like...

A discount on your out-of-pocket costs, such as your co-pay. Depending on your income level, if you buy a “silver” plan on the state marketplace, you may be eligible for a cost-sharing subsidy. A silver plan is a type of...