Health Insurance 101 — What It Covers, How to Choose & Why You Need It

🏥 Comprehensive Guide — 2025 Edition

Health Insurance 101
What It Covers, How to Choose & Why You Need It

Medical care is expensive — a single emergency visit can cost thousands. This guide explains how insurance protects you financially.

27M+
Americans uninsured
$4,900
Avg annual premium
66%
Medical debt bankruptcies
100%
Preventive care covered

Types of Health Insurance Plans

HMO

  • Primary doctor required
  • Referral needed
  • Lowest premium

PPO

  • No referral needed
  • Out of network allowed
  • Higher premium

EPO

  • No out of network
  • No referral required

POS

  • Hybrid plan
  • Requires PCP

Stay Informed About Your Health Coverage

Get expert tips on choosing plans and saving money on healthcare.

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