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Consider factors like your healthcare needs, budget, premiums, deductibles, and provider networks. It’s also helpful to compare benefits and coverage levels across different plans.

It depends on the plan. Some plans have specific networks of providers, so make sure to check if your preferred doctor is in-network before enrolling.

Copayments are fixed amounts you pay for specific services (like a doctor’s visit), while coinsurance is a percentage of the total cost you pay after meeting your deductible.

A deductible is the amount you must pay out-of-pocket for healthcare services before your insurance starts to cover costs. For example, if your deductible is $1,000, you pay the first $1,000 of your medical expenses.

This is the maximum amount you will pay for covered healthcare services in a plan year. Once you reach this limit, your insurance will cover 100% of your costs for covered services.

Under the Affordable Care Act, health insurance plans cannot deny coverage or charge higher premiums based on pre-existing conditions.

There are programs and subsidies available to help lower-income individuals afford coverage. You may qualify for Medicaid or financial assistance through the Health Insurance Marketplace.