Health Insurance FAQs
Do you have questions about health insurance? Find answers to frequently asked questions about job-based coverage, insurance claims, benefits, prescription drug assistance, and more!
What Is the Best Health Plan?
Learn more about finding the best health plan, including reasons why health plan rankings may not be the answer.
Learn more about finding the best health plan, including reasons why health plan rankings may not be the answer.
What's the Difference Between Co-pays and Co-insurance?
Learn more about copays and coinsurance, including examples of each and how they differ from each other.
Learn more about copays and coinsurance, including examples of each and how they differ from each other.
Will my health insurance cover my pre-existing condition?
Learn more about how insurance policies treat pre-existing health conditions, and find out whether your pre-existing condition should be covered by your insurance company.
Learn more about how insurance policies treat pre-existing health conditions, and find out whether your pre-existing condition should be covered by your insurance company.
What is the average health insurance premium?
Learn more about health insurance premiums and why they are so difficult to estimate.
Learn more about health insurance premiums and why they are so difficult to estimate.
What is a Pharmacy Benefits Manager?
Learn more about pharmacy benefits managers and the role they play in your prescription drug coverage.
Learn more about pharmacy benefits managers and the role they play in your prescription drug coverage.
Why am I being forced into Medicare at age 65?
Learn more about what happens when a retiree turns 65.
Learn more about what happens when a retiree turns 65.
What is Pay-for-Performance?
Learn more about pay-for-performance, how it could change our healthcare system, and how it might affect you.
Learn more about pay-for-performance, how it could change our healthcare system, and how it might affect you.
My Insurer Is Retroactively Cancelling My Health Coverage. Is This Legal?
Find out why some insurers try to retroactively cancel policies, how you can prevent this from happening, and what you should do if it happens to you.
Find out why some insurers try to retroactively cancel policies, how you can prevent this from happening, and what you should do if it happens to you.
Should I Buy Supplemental Health Insurance?
Information about supplemental health insurance, including what it covers, and advice on whether it is right for you.
Information about supplemental health insurance, including what it covers, and advice on whether it is right for you.
What Was The Clinton Health Plan Proposal About, and Why Did It Fail?
Learn more about the Clinton Health Plan Proposal and why this effort at health care reform failed.
Learn more about the Clinton Health Plan Proposal and why this effort at health care reform failed.
Why Am I Being Charged So Much For COBRA Coverage?
Find out why COBRA premiums may be higher than you thought they would be.
Find out why COBRA premiums may be higher than you thought they would be.
What is the difference between "universal coverage" and a "single-payer system"?
Learn more about universal coverage and single-payer systems, important health care reform concepts
Learn more about universal coverage and single-payer systems, important health care reform concepts
What is the "rationing" of health care?
Find out what rationing of health care means, both in the U.S. and abroad.
Find out what rationing of health care means, both in the U.S. and abroad.
Health Insurance for College Students
Find out what your child's options for health coverage will be when he or she leaves home for college.
Find out what your child's options for health coverage will be when he or she leaves home for college.
Am I eligible for Medicare or Medicaid benefits?
Eligibility requirements for Medicare and Medicaid coverage, including links to local offices that can verify eligibility.
Eligibility requirements for Medicare and Medicaid coverage, including links to local offices that can verify eligibility.
Other Options for Health Insurance
Where to look for health insurance if you do not have it through your job.
Where to look for health insurance if you do not have it through your job.
What is a pre-existing condition exclusion period?
Information about the limitations placed on pre-existing condition exclusion periods.
Information about the limitations placed on pre-existing condition exclusion periods.
Prescription Drug Assistance
Find information about assistance programs that will help you pay for the medication you need.
Find information about assistance programs that will help you pay for the medication you need.
Customary and reasonable costs
What does "customary and reasonable" cost mean, and how will it affect payment for healthcare services?
What does "customary and reasonable" cost mean, and how will it affect payment for healthcare services?
What happens when I lose my job-based health insurance coverage?
Information about insurance options after losing job-based coverage.
Information about insurance options after losing job-based coverage.
My employer does not offer health insurance coverage. Is this legal?
Are employers required to offer job-based health insurance coverage for employees?
Are employers required to offer job-based health insurance coverage for employees?