Premium vs. out-of-pocket costs
The premium is your monthly payment. You may also pay a deductible, copays, or coinsurance when you use care. Compare both, not just the monthly number.
Resources
Learn the basics. Ask better questions.
A starting place for understanding health coverage before you make a decision. These guides are general information, not a determination of eligibility or benefits.
ACA marketplace coverage
For individuals and families exploring marketplace health insurance.
Explore ACANetworks and prescriptions
Provider networks and covered-drug lists vary by plan. Check your doctors, hospitals, medications, and preferred pharmacy before enrolling.
Financial help
Some households may qualify for premium tax credits and reduced out-of-pocket costs. Eligibility depends on factors including income and household size.
When you can enroll
Open enrollment happens annually. Certain changes in your life can qualify you for a special enrollment period; deadlines and proof requirements may apply.
Medicare coverage
For people approaching Medicare or reviewing their current coverage.
Explore MedicareOriginal Medicare
Part A helps cover inpatient hospital care and Part B helps cover outpatient and medical services. Prescription drug coverage generally requires a separate Part D plan.
Medicare Advantage
Part C plans are offered by private insurers approved by Medicare. They provide Part A and B benefits and may include drug coverage, with plan-specific networks and costs.
Medicare Supplement
Also called Medigap, these plans help pay certain out-of-pocket costs under Original Medicare. They do not generally include prescription drug coverage.
Enrollment periods
Your first enrollment window and opportunities to change coverage depend on your circumstances. Check timing before you drop or switch existing coverage.
Not sure where to start?
You don’t need to have all the answers. Bring your questions, doctor names, prescriptions, and current coverage details to a conversation with Jordy.
Ask Jordy a question