What Is Health Insurance?
Learn about the basics of health insurance, including how it works, what it covers and why it’s helpful.
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Looking for specific answers about health care plans? Explore our health insurance education pages.
Learn about the basics of health insurance, including how it works, what it covers and why it’s helpful.
Explore the different types and features of health insurance plans, from HMO plans to PPOs and more.
Learn about the different costs associated with health insurance, what affects those costs and the value of having a health plan.
Get the information you need to make the right health insurance choice for you and your family.
Virtual visits are easy and convenient, allowing you to get medical care anytime, from wherever you are.
Find out why an annual wellness checkup is so important for your health.
Be sure you know your options when choosing where to go for care.
Read about the Affordable Care Act and how it can help you get more affordable health insurance.
All Floridians who receive Medicaid benefits go through a redetermination process.
Understand when enrollment periods are and how to approach getting a health insurance plan when you’re ready.
Get useful tools and resources to help you build confidence in your community’s health and wellness.
Find all the information you need about Medicare plans in our Medicare Education section.
You pay a monthly bill, a premium, for the health plan and the insurance company pays part of the cost for covered medical services.
Your insurance company offers a preferred list of doctors, hospitals and other health care providers. Choosing a provider within the network should result in less out-of-pocket expenses for you.
Copay
A flat fee (e.g., $15) you pay for covered health services, such as a x-ray.
Deductible
The dollar amount you must pay each calendar year before insurance begins to pay for certain health services. You pay the plan deductible first then coinsurance (%) may apply.
Coinsurance
The percentage (%) you may pay for services after you meet the plan deductible. It's also known as "cost sharing."
Out-of-Pocket Maximum
The most you pay for covered health care services during your plan's calendar year. All of your covered expenses go toward this maximum. Once you reach the maximum, your health care plan pays 100% toward covered services and you don't pay anything.
Premium
The regularly scheduled amount of money you must pay each month to keep your insurance active.
This information is for illustrative purposes only and is being provided to help increase understanding of the impacts of some of the provisions of the Affordable Care Act (ACA). It does not attempt to cover all of the law's provisions and is not intended as tax or legal advice. We encourage members to seek professional advice including legal counsel, regarding how the new requirements may affect you.
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Policies have limitations and exclusions. The amount of benefits provided depends on the plan selected and the premium may vary with the amount of benefits selected.