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Find answers to the most common health insurance questions from our expert team.
Health insurance costs vary based on several factors including your age, location, plan type, and coverage level. Individual plans typically range from $200-$800 per month, while family plans can cost $500-$2,000 monthly. Factors that affect pricing include deductibles, copayments, and out-of-pocket maximums. Many people qualify for subsidies that can significantly reduce monthly premiums.
There are four main types of health insurance plans: HMO (Health Maintenance Organization) - requires referrals and uses a primary care physician; PPO (Preferred Provider Organization) - offers more flexibility with specialists; EPO (Exclusive Provider Organization) - combines aspects of HMO and PPO plans; and POS (Point of Service) - requires referrals but allows out-of-network care at higher costs.
Open enrollment is the annual period when you can enroll in or make changes to your health insurance plan. It typically runs from November 1 to December 15 each year. Outside of this period, you can only enroll if you qualify for a Special Enrollment Period due to life events like marriage, birth of a child, job loss, or moving to a new area.
You can apply for health insurance through the Healthcare.gov marketplace, your state's exchange, directly through insurance companies, or with the help of a licensed insurance agent. You'll need personal information including Social Security numbers, income details, and current insurance information. Licensed agents can help you compare plans and ensure you get the best coverage for your needs.
Health insurance covers essential health benefits including doctor visits, emergency services, hospitalization, prescription drugs, preventive care, maternity care, mental health services, and rehabilitation. Most plans also cover preventive services like annual checkups and screenings at no cost to you. Coverage details vary by plan, so it's important to review what's included before enrolling.
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