⚠️ For information only. Your policy language determines actual benefits and coverage.
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Health insurance, explained in plain English.

Understand plan types, deductibles, copays and the ACA marketplace, then use our free quiz to see which kind of plan fits you.

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HMO vs PPO vs EPO vs HDHP

What the letters mean and who each plan type suits.

Deductibles, copays & coinsurance

The five numbers that decide what you actually pay.

Bronze, Silver, Gold, Platinum

How the metal tiers split costs between you and the plan.

Worked cost examples

Real-life scenarios with numbers.

ACA, open enrollment & subsidies

Deadlines, special enrollment, and premium tax credits.

Insurer directory

Official websites for major health insurers.

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