Dummies — Buying Health Insurance For

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

: 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 buying health insurance for dummies

: The amount you must pay out-of-pocket for covered services before your insurance starts to chip in. : The fixed amount you pay every month

: Use the HealthCare.gov Marketplace to find ACA-compliant plans and see if you qualify for subsidies. : Lowest monthly premiums, but highest costs when

: Lowest monthly premiums, but highest costs when you actually get care. Best if you rarely see a doctor.

: The absolute most you will pay in a year. Once you hit this, the insurance company pays 100% of covered costs. 2. Choosing Your "Metal" Level