## Need help understanding the costs of healthcare?

We know healthcare and insurance can be complicated and overwhelming. Here are resources to help your understanding.



 

 

 

 

### Common terms



 

### Premium

A premium is your monthly payment for health insurance.



 

[Learn more](/understanding-health-insurance/understanding-healthcare-costs/what-health-insurance)

 

 

 



### Deductible

The amount you pay each year for covered healthcare before your health plan begins to pay.



 

[Learn more](/understanding-health-insurance/understanding-healthcare-costs/what-deductible)

 

 

 



### Coinsurance

The amount you pay for covered healthcare after you meet your deductible.



 

[Learn more](/understanding-health-insurance/understanding-healthcare-costs/what-coinsurance)

 

 

 



### Out-of-pocket maximum

The most you will pay each year for covered healthcare.



 

[Learn more](/understanding-health-insurance/understanding-healthcare-costs/what-out-pocket-maximum)

 

 

 



### Copay or copayment

A set fee you pay for a doctor visit or prescription.



 

[Learn more](/understanding-health-insurance/understanding-healthcare-costs/what-copay)

 

 

 



 

 



 

 

### Learning resources



 

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### How healthcare expenses are shared

Learn how you and your health insurance pay for your healthcare.



 

[Learn more](/understanding-health-insurance/understanding-healthcare-costs/how-you-and-insurance-pay)

 

 

 



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### Care Cost Estimator

Learn how to estimate medical care costs in advance.



 

[Learn more](/understanding-health-insurance/understanding-healthcare-costs/care-cost-estimator)

 

 

 



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### How to read an Explanation of Benefits

An Explanation of Benefits (EOB) shows what your health plan paid and the amount you owe.



 

[Learn more](/understanding-health-insurance/understanding-healthcare-costs/how-read-eob)

 

 

 



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### Third-party payments of premiums

Learn who we do and do not accept premium payments from.



 

[Learn more](/third-party-payments-premiums-andor-cost-sharing)

 

 

 



 

 



 

 

  





 

 

### Health plan basics

Watch this video to learn what makes up healthcare costs and when and where to go for care.



 

 

 

       ![Adult using a digital tablet and smiling.](/sites/default/files/styles/3x2_third/public/a936d13f-a499-4a70-99c3-bdf4d6c9f79e.jpg.webp?itok=k_BTK9xa) 

 

 

### Healthcare cost transparency

We are working to make your coverage and personal expenses more clear in advance of receiving healthcare.



[Learn about cost transparency](/understanding-health-insurance/understanding-healthcare-costs/healthcare-cost-transparency)