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Understanding The Benefits of Health Insurance
Understanding The Benefits of Health Insurance
protection from medical debt

Provides some protection from medical debt - the leading cause of personal bankruptcy in the U.S.

Free preventive care

Free preventive care, including: immunizations, contraceptives, cancer screenings, pelvic exams, STI testing, and others

Obamacare Marketplace

You have the option to get a plan from the Obamacare Marketplace or find a different private plan off the Marketplace

Access to affordable prescription drugs

Access to affordable prescription drugs, from antibiotics and contraceptives to antidepressants and other medicines

can't be denied coverage

People with pre-existing conditions can't be denied coverage under a major medical health plan

many different types of health coverage

You may be eligible for many different types of health coverage: major medical, short term, faith-based healthcare, high-deductible, and others

Which Type of Plan Is Right for You?

HMO, PPO, EPO, or POS: Which Type of Plan Is Right for You?

The type of insurance plan you pick determines how many providers will be covered under your plan and whether you'll need a referral from your Primary Care Doctor (PCP) before seeing a specialist (e.g dermatologist, cardiologist, radiologist).

Types of Major Medical Plans
Do specialists and procedures require a referral?Do I have to stay in-network to get coverage?Is it for me?
HMOHealth Maintenance OrganizationYesYes(Except for emergencies)If you want more provider options and don’t want to have to deal with referrals.
PPO Preferred Provider OrganizationYesNo(In-network care is less expensive)If you want more provider options and don’t want to have to deal with referrals.
EPO Exclusive Provider OrganizationNoYes(Except for emergencies)If you want lower out-of-pocket costs but don’t want to have to deal with referrals.
POS Point-of-Service PlanYesNo(In-network care is less expensive; referral needed for out-of-network)If you want more provider options and a primary care doctor that coordinates your overall care.

Obamacare Metal Plans: What They Are, How They Work

There are 4 different coverage levels, often referred to as “metal plans” because of their corresponding names: Bronze, Silver, Gold, and Platinum. They all offer the same essential health benefits. The main difference among Bronze, Silver, Gold, and Platinum plans is how much you pay for care versus how much your plan covers.

Learn More About Metal Plans


Insurance Company Pays 60%


Insurance Company Pays 70%


Insurance Company Pays 80%


Insurance Company Pays 90%

Read our guides

Health Insurance For The Unemployed: Obamacare Or COBRA

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A Step-By-Step Guide To Buying Individual Health Insurance

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What Does a Health Insurance Broker Do?

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