Health Insurance FAQs
Can I Get Help Paying for Health Insurance?
Having trouble affording health insurance? You might be able to get help paying for health insurance premiums. Learn about programs to make health insurance more affordable like the premium tax credit and decreased cost sharing subsidies. Find out if you could be eligible for a health insurance subsidy.
What Is Obamacare?
Confused about what Obamacare is? Unsure if it's a type of health insurance, a social welfare program or a law? Don’t understand what it means when someone says “enroll in Obamacare”? Find out what Obamacare is, what it isn’t, and what it means when used in different ways.
The Cost of Health Care—Why Is Health Care So Expensive?
Why is the cost of health care so expensive? Why does the cost of health care increase faster than inflation? A single cause underlies more than half the rise in the costs. To learn what's responsible, read more.
What’s the Difference Between Medicare and Medicaid?
It’s easy to confuse Medicare and Medicaid, but the differences are important. If you tell the doctor’s office you have Medicaid when you really have Medicare, you might be turned away. Learn how Medicare and Medicaid differ and why it's important.
FAQs About the Obamacare Controversy
These frequently asked questions about Obamacare address controversial aspects of healthcare reform by the Affordable Care Act.
Are Health Insurance Premiums Tax-Deductible?
If you're self-employed, the answer often is yes -- the premiums you pay to cover yourself and your dependents probably are tax-deductible. They are not, however, if you, your spouse or your dependents are covered by another employer's group plan.
What Is a Drug Formulary?
A drug formulary is a list of generic and brand name drugs that are preferred by your health plan. Since your health plan may limit the medications it will pay for, it is important for you to understand your health plan's drug benefit and formulary.
HMOs vs. PPOs: What Are the Differences Between HMOs and PPOs?
The most common types of managed care plans are health maintenance organizations (HMOs) and preferred provider organizations (PPOs). Less common are point-of-service (POS) plans. Learn the differences between HMOs, PPOs, and POSs.
Why Are Medications Cheaper to Buy in Canada?
Canadian drugs are cheaper than in the U.S., especially for newer brand name drugs. Canadian drugs are less expensive for many reasons, including government controls, drug formulary restrictions, liability issues, and market forces.
I Might Be Laid Off Soon. Should I See My Doctor Before I Lose My Insurance?
Many people who anticipate losing their coverage wonder if they should try to make the most out of their plan before it's gone. Find out why this may not be such a good idea.
Medicare Frequently Asked Questions
Medicare is a federal government program that provides health insurance for people age 65 and older, people with disabilities, and people requiring dialysis or a kidney transplant. The Medicare program is made up of several "parts" that offer various benefits, including hospital insurance Part A), medical insurance for doctors' services (Part B)…
Generic Drugs - Can I Save at Walmart and Other Big-Box Stores?
Generic drugs can save you up to 80% on the cost of your medication. Big-box stores such as Walmart and target have generic drug programs, which offer a 3-month supply of many generic drugs for $10.00.
Will My Health Insurance Cover Clinical Trials?
Learn more about health insurance coverage of clinical trials.
I Missed My Job-Based Benefits Open Enrollment Period. What Can I Do?
Learn more about open enrollment, and what you can do if you miss your plan's open enrollment period.
Where Can I Find a Free Clinic?
Learn about how to find a free health care clinic.
How Do I Enroll My Child In My Job-Based Health Plan?
Learn more about how to enroll your child in your job-based health insurance plan.
How Do I Obtain Charity Care?
Learn about how to obtain charity care for free or a reduced cost.
Is Catastrophic Health Coverage Right For Me?
Learn more about whether catastrophic coverage might be right for you.
Is My Individual Insurance Policy Required To Cover Mental Health Benefits?
Learn about coverage of mental health benefits in the individual market.
Other Options for Health Insurance
Where to look for health insurance if you do not have it through your job.
Customary and reasonable costs
What does "customary and reasonable" cost mean, and how will it affect payment for healthcare services?
What is a self-funded health plan?
Learn about self-funded health plans and how they differ from fully insured plans.
What's the Difference Between Copay and Coinsurance?
Don't understand the difference between copay and coinsurance, or when you have to pay a copay vs coinsurance? Not sure which one will cost you more? Suspect you've been overcharged? Find the answers here, and understand how coinsurance and copays work.