Learn How to Compare Plans

What you need to know before selecting a plan

HealthCare.gov has more information about choosing a health insurance plan that's right for you.

Understand your insurance costs

Deductible: the amount you need to pay before the insurance company will start to pay its part.

Co-pay: the fixed amount you pay for a service. Co-insurance: the percentage you pay for a service.

 

What is a out-of-pocket max? It's the maximum amount you pay for health care in a year, including your deductible and co-pay or co-insurance.

Choose a plan with premiums that you can afford every month. A premium is the monthly payment you make to an insurance company for your health care policy.

Compare your yearly costs

Use the worksheets below to compare plans to see your estimated costs. Keep in mind that you may be eligible for financial assistance, depending on your income level.

Compare plans: premium per month multiplied by 12 months, plus out-of-pocket max, equals possible yearly cost. Other costs include: deductibles, doctor visits, specialists, prescription drugs, urgent care, and emergency room.

Compare plans: premium per month multiplied by 12 months, plus out-of-pocket max, equals possible yearly cost. Other costs include: deductibles, doctor visits, specialists, prescription drugs, urgent care, and emergency room.

 

Compare plans at HealthCare.gov

Last Revised: October 23, 2020