: The amount you must pay out-of-pocket for covered services before your insurance starts to chip in.
: A fixed dollar amount (e.g., $25) you pay for a specific service, like a doctor's visit or a prescription. buying health insurance for dummies
Insurance companies have "networks" of doctors they’ve negotiated cheaper rates with. : The amount you must pay out-of-pocket for
: Higher premiums, but lower costs when you get care. Best if you have ongoing medical needs. 3. Networks: HMO vs. PPO buying health insurance for dummies
Under the Affordable Care Act (ACA), plans are often categorized by "metal" levels, which tell you how you and the plan share costs:
