Health insurance can include private insurance plans, employer-sponsored plans, Medicare, Medicaid, and other state and federal programs.

Health insurance typically covers doctor visits, prescription drugs, hospital stays, and preventive care. Some plans may also cover long-term care and mental health services.

The cost of health insurance depends on the type of plan, coverage, and the number of people on the plan. Generally, premiums tend to be higher for plans with more coverage.

A deductible is the amount of money that you must pay out of pocket before your health insurance begins to cover medical expenses. The amount varies depending on the type of plan you have.

That is only for ACA/Obamacare and government plans. Private insurance is available year-round.

ACA/Obamacare is major medical coverage that you cannot be denied for due to any pre-existing conditions. It is most affordable IF you get a government subsidy on the monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there. ​ Employer plans are AMAZING for the employee themselves BUT the minute you add a family member (spouse or kids or both) on to the plan, that premium is going to skyrocket. This is because employers usually give benefits towards their employees but the family will be paying full price to be added on to the plan. Private insurance is health-based so there is an application process because not everyone may qualify based on health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage.

I have Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability) and access to everything out there so I am happy to guide you in the right direction if you are needing something specific!