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A Basic Explanation Imagine you’ve lost your job and your health insurance right along with it. Luckily, you find a new job quickly—but your new coverage doesn’t start for months

A Basic Explanation Once you have health insurance, there's a limit on how much you'll pay for in-network healthcare in a plan year. It's called your out-of-pocket maximum, or out-of-pocket

A Basic Explanation Can you believe the average hospital stay lasts less than five days but costs more than $10,000? That’s one of the most important reasons to have health

A Basic Explanation Will you qualify for government tax credits to help pay for your health insurance? The answer depends, in part, on your household income. In this case, household

A Basic Explanation If you’re applying for government money to help you pay for health insurance, you’ll need to say how many people are in your household. Your household includes

A Basic Explanation If you’re a regular tobacco user, you may have to pay more for your health insurance. In some states your premium could be as much as 50

A Basic Explanation Qualified health plans are health insurance policies that must meet certain standards established by the Affordable Care Act (ACA). Beginning in 2014 every qualified health plan, or

A Basic Explanation A qualifying event is just insurance-speak for certain changes in your life, such as a marriage, the loss of a job, or a move to another state.

A Basic Explanation Any new health insurance plan you buy for yourself or your family must cover medicines your doctor prescribes for you. (This is part of the healthcare reform

A Basic Explanation Before you can schedule certain healthcare services you may need to get preapproval from your insurance company. This is called preauthorization. (The terms precertification, prior authorization, and