Health insurance helps you pay for medical services. Once you purchase insurance coverage, you and your health insurer each agree to pay a part of your medical expenses–usually a certain dollar amount or percentage of the expenses.

When buying health insurance, your choices typically fall into one of three categories:

Traditional fee-for-service health insurance plans are usually the most expensive choice, but they offer you the most flexibility in choosing health care providers.

Health maintenance organizations (HMOs) offer lower co-payments and cover the costs of more preventive care, but your choice of health care providers is limited to those who are part of the plan.

Preferred provider organizations (PPOs) offer lower co-payments like HMOs but give you more flexibility in selecting a provider.

As your specific needs are individual to you, buy the health insurance that makes the most sense for you and your needs.

Speak to one of our licensed health insurance agents and ask questions, such as:

Do I have the right to go to any doctor, hospital, clinic, or pharmacy I choose?

What is the most I will have to pay out of my own pocket to cover expenses?

Does the plan cover special conditions or treatments such as pregnancy, psychiatric care, and physical therapy?

The more questions you ask, the more informed you’ll be. Working with an experienced agent will make the difference between coverage that just works, and coverage that meets your needs.

A service that helps people shop for and enroll in affordable health insurance. The federal government operates the Marketplace, available at Healthcare.gov, for most states. Some states run their own Marketplaces.