Confused About Health Insurance? Watch These 20 Healthcare Videos

Confused About Health Insurance? Watch These 20 Healthcare Videos | HealthCare.com
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These short healthcare videos on YouTube will help you gain a better understanding of America’s complicated healthcare system, as well as better-inform you on your health insurance decisions.

Are you new to health insurance or would you like to have a better understanding of the healthcare system in America? It certainly can be rough waters to navigate with lots of industry jargon that is difficult to grasp. There’s no shortage of quality information on the basics of health insurance to read, but what if you’re more of a visual learner?

Shopping for a health insurance policy shouldn’t be taken lightly. When you purchase a plan, you are entering into a financial agreement with a company that could last a year or more. To make sure that you fully understand what is at stake and that you are providing an adequate safety net for yourself, you need to learn about the product.

We’ve compiled 20 healthcare videos from YouTube that explain, in plain language, how our most important health and financial safety net works.

Understanding the American Healthcare System

The healthcare system in the United States is very, very complicated. There are a lot of different rules and regulations, and there are a lot of different parties involved (from the health insurance companies and care providers, to our government policy leaders and we the consumers ourselves). The three videos above (the first from The Science of You, the second from Healthcare Triage, and the third from Khan Academy) each have a different approach for describing our overall healthcare system, but each manages to successfully explain all the very confusing aspects associated with our health system.

Why Healthcare in the U.S. Is So Expensive

If it’s a necessity, why is healthcare so expensive? There are lots of contributing factors, and this video from CrashCourse looks at the many reasons behind the high costs of healthcare in the United States. It goes over what you get for your money and how those costs are spent across-the-board. It also touches on the costs of other healthcare systems and how they manage to maintain higher qualities of care at lower costs.

Overview of How Health Insurance Works

The Kaiser Family Foundation created this video to provide a simple overview of how health insurance actually works. Using various scenarios (shown through cartoons), the healthcare video breaks down and explains core concepts – from premiums to provider networks. It goes over the basics of things like HMOs (health maintenance organizations) and PPOs (preferred provider organizations), as well as the differences between brand name and generic drugs.

The Importance of Health Insurance

The video from Independence Blue Cross explains why health insurance is important and why you need it. No one plans on becoming sick or injured, but the reality is that most of us will at some point. The purpose of health insurance is to help alleviate some of the costs of your care when the expenses roll in.

Understanding Differences Between HMO, PPO, and HDHP

PlanSource created the video above to help consumers better understand the core pieces of the HMO and the PPO, as well as touching upon the essentials behind high-deductible health plans (HDHPs). (There are other plans, such as an EPO and POs, which aren’t covered; you learn more about those options here.

Understanding Your Various Healthcare Costs

There are lots of costs involved with your health insurance plan: co-insurance, deductibles, out-of-pocket maximums, and more. This extremely helpful healthcare video from Consumer Reports goes over how to read and understand your policy, and what each of your costs actually mean.

The Difference Between Deductibles and Copays

Looking specifically at health insurance deductibles and copays, Humana does a good job of easily explaining the differences between the two and how they work.

What’s a Health Savings Account (HSA)

One of the ways to make your healthcare costs more affordable is by using a health savings account (HSA). In this video, Dave Ramsey explains what an HSA is and how to make them work for you.

Understanding the Affordable Care Act/Obamacare and How it Works

In order to understand the debates around the Affordable Care Act (ACA) – otherwise known as “Obamacare” –  you have to actually know what Obamacare is about. HowStuffWorks produced a great healthcare video that goes over the core pieces of ACA – and manages to do it in a way that’s actually easy to understand. If you’d rather watch an explanation in cartoon format, then the Kaiser Family Foundation created a video to do just that.

What Is the Individual Mandate Under Obamacare?

One of the most important pieces of Obamacare is the individual mandate. Even though you’ve heard it mentioned on TV and in conversations around you, you still might now have a firm idea of what it actually is and why it matters. Vox explains it in a way that simply makes sense.

What’s the Health Insurance Exchange/Marketplace?

This video from ABCs of Coverage explains the Obamacare marketplace, and how the various different health exchanges work. You can shop for policies the same way you shop for most items online. Compare rates, check for discounts, and purchase a plan all through the marketplace.

How to Sign Up for a Plan Through the Marketplace

Confused about how to actually sign-up for a policy through the marketplace? This helpful video from the Centers for Medicare & Medicaid Services (CMS features a step-by-step walk-through of the Healthcare.gov site with instructions for each part of the process.

Why Do People Hate Obamacare?

Why are legislators trying to repeal Obamacare, and why replace ACA with the American Health Care Act (AHCA)? There are several reasons why many Republicans and some Democrats have issues with ACA…but what are those reasons exactly? MODRN TV goes through the various arguments laid forth by opponents to Obamacare.

Understanding Medicare

 

Are you nearing Medicare eligibility age and trying to learn more about how Medicare actually works? The first video, from Medicare Made Clear, simplifies what it is and what options are available to you. The second video, from Khan Academy, does a more comprehensive job of explaining how Medicare works framed within our overall healthcare system.

Understanding Medicaid

Medicaid is a program designed to help alleviate some of the healthcare costs for those with very limited finances and resources. For those who qualify, it may be difficult to understand exactly how the program works. The video from Khan Academy does a good job of informing without being confusing.site:

How to Find the Right Insurance Plan for You

Published by Healthcare.gov and initially targeted for those signing up for an ACA plan, the healthcare video above will help you decide exactly what you need in a healthcare plan (off- or on-exchange). There are lots of things to consider and this explains them all in plain language that’s easy to understand.

Ronald Barba contributed to this piece. 

Have a personal healthcare story to share? Write a brief summary of what you’d like to share and email us at stories@healthcare.com. From there, we’ll make sure to follow-up and set-up an interview.

Nicole White

About Nicole White

Nicole White is a personal finance writer originally from Pittsburgh and a regular contributor to HealthCare.com. She lives in LA with her family. You can follow her on Twitter: @nwhitewrites

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