Buying Health Insurance For Dummies Page

: Use the HealthCare.gov Marketplace to find ACA-compliant plans and see if you qualify for subsidies.

: Usually limits coverage to care from doctors who work for or with the HMO. You typically need a referral from a primary doctor to see a specialist. buying health insurance for dummies

: Check Medicaid or Medicare if you meet specific income or age requirements. : Use the HealthCare

: You pay less if you use providers in the network, but you have the flexibility to see out-of-network doctors for a higher cost. No referrals are usually needed. 4. How to Sign Up : Check Medicaid or Medicare if you meet

Under the Affordable Care Act (ACA), plans are often categorized by "metal" levels, which tell you how you and the plan share costs:

: The fixed amount you pay every month to keep your insurance active, even if you don't go to the doctor.

: Higher premiums, but lower costs when you get care. Best if you have ongoing medical needs. 3. Networks: HMO vs. PPO