Find insurance options worth discussing

Annual Deductible

The amount you pay for covered medical care each year before the plan begins sharing certain costs. Some services may be covered before the deductible, and monthly premiums do not count toward it.

Is a specific annual deductible important to you?

Coinsurance Percentage

The percentage of a covered bill you and the insurance company split after any deductible. With 80/20, the plan pays 80% and you pay 20% until the plan's rules or maximum out-of-pocket limit are reached.

Is a specific coinsurance percentage important to you?

Maximum Out-of-Pocket

The most you would generally pay during a plan year for covered, in-network deductibles, copays, and coinsurance. Premiums, non-covered care, and many out-of-network charges usually do not count.

Is a specific maximum out-of-pocket amount important to you?

Copays

A copay is a fixed amount you pay for a covered service, such as $30 for an office visit. Copays may apply before or after the deductible and can vary by service.

Are copays important to you?

Network Type

A provider network is the group of doctors, hospitals, and facilities that have agreed to the plan's pricing and participation rules.

Is a specific network type important to you?

Plan Type

Choose the general type of health plan you prefer. This helps the app compare products with the right structure and limitations.