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Frequently Asked Questions

Common Questions Answered for your convenience.

What’s the difference between HMO and PPO plans?

HMO (Health Maintenance Organization): You must choose a primary care doctor and need referrals to see specialists. It’s usually more affordable.

PPO (Preferred Provider Organization): You can see any doctor without a referral, even outside the network, but it may cost more.

What does a health insurance plan typically cover?

  • Doctor visits

  • Hospital stays

  • Emergency care

  • Prescription drugs

  • Preventive care (like vaccines and screenings)

  • Mental health services

How much does health insurance cost?

Costs vary by plan and coverage level. You’ll usually pay:

  • A monthly premium

  • A deductible (amount you pay before coverage kicks in)

  • Copays or coinsurance (your share of costs for services)

Can I get help paying for insurance?

Yes! You may qualify for subsidies (financial help) through the Health Insurance Marketplace based on your income and household size.

What’s the Open Enrollment Period?

Open Enrollment is the time each year when you can sign up for or change your health insurance plan. It usually runs from November 1 to January 15.

Can I get insurance outside of Open Enrollment?

Yes, if you have a qualifying life event, like losing other coverage, getting married, or having a baby, you may qualify for a Special Enrollment Period.