Your Coverage, Your Way.

Both private and Marketplace health insurance are sold by private insurers. The difference is where you buy and what rules apply. Marketplace plans, bought through HealthCare.gov or a state exchange, are always ACA-compliant and may come with income-based financial assistance. Private plans bought off-Marketplace range from ACA-compliant to non-ACA products like short-term plans.

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The Health Insurance Marketplace is the ACA platform for buying individual coverage. You compare standardized plans by metal tier and plan type, see whether you qualify for premium tax credits, and enroll during Open Enrollment or a Special Enrollment Period.

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An EPO, or Exclusive Provider Organization, is a health plan that covers care only within its network. Unlike an HMO, it needs no primary care physician or referrals to see in-network specialists. Outside the network, only emergencies are covered. EPOs sit between HMOs and PPOs on cost and flexibility

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Health insurance shares your medical costs in exchange for a monthly premium. You pay through premiums, deductibles, copays, and coinsurance until you reach your out-of-pocket maximum after which the plan covers the rest. Plan types such as HMO, PPO, EPO, and POS set how you access care.

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An HMO, or Health Maintenance Organization, is a health plan that covers care only within its network. You choose a primary care physician who coordinates your care and issues referrals to specialists. Outside the network, only emergencies are covered. HMOs carry the lowest average premiums of the major plan types.

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A PPO, or Preferred Provider Organization, is a health plan that covers both in-network and out- of-network care, though out-of-network costs more. It requires no primary care physician and no referrals to see specialists. PPOs offer the most provider flexibility of the major plan types, at the highest average premium.

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Enrollment periods are defined windows for signing up for or changing health insurance, while qualifying life events such as job loss, marriage, or a birth trigger a Special Enrollment Period outside those windows, typically lasting 60 days from the date of the event.

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Short-term health insurance is temporary coverage designed to fill a defined gap, such as between jobs or waiting for employer benefits to begin. It costs less than ACA coverage because insurers can underwrite health history, exclude pre-existing conditions, and omit benefits ACA plans must cover.

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Fixed indemnity health insurance pays you a predetermined dollar amount when a covered medical event occurs, such as a hospital day or doctor visit, regardless of the actual bill. It supplements comprehensive coverage, paid directly to you to offset deductibles, coinsurance, and other out-of-pocket costs.

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A health care sharing ministry is a membership organization in which members pool monthly contributions to help cover each other's medical expenses. It is not insurance: no contract guarantees payment, and sharing follows the organization's guidelines rather than insurance law or ACA consumer protection rules.

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Supplemental health insurance is a category of products that work alongside primary coverage, paying benefits directly to you to offset deductibles, copays, coinsurance, and non-medical costs of a health event. Common types include critical illness, fixed indemnity, accident, hospital indemnity, dental, and vision.

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Standard health insurance does not cover routine adult dental or vision care. Dental insurance offsets preventive, basic, and major dental work, typically on a 100/80/50 structure with an annual maximum; vision insurance covers annual exams and provides allowances toward glasses or contact lenses.

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