Like HowStuffWorks on Facebook!

Healthcare and Health Insurance

Whether you're choosing a doctor or trying to navigate health insurance jargon, these articles will help you understand the health insurance system.

Featured
Working with Multiple Healthcare Providers

It is not uncommon to have multiple healthcare providers when treating an illness. Find out what you need to know about dealing with healthcare providers.


Prescription Drug Basics

Many insurance plans have excluded high-cost drugs from coverage, cut down on refills and increased co-pays. How can you get the medications you need without breaking the bank?

Out-of-pocket Expenses

Simply put, an out-of-pocket expense is a nonreimbursable expense paid by a patient. Learn about out-of-pocket maximums, what expenses count toward them, and how they vary with different plans.

Flexible Savings Accounts

Flexible spending accounts are accounts in which you can deposit a portion of your pre-tax paycheck. If you use it wisely, an FSA can help offset your out-of-pocket medical expenses and pay for your monthly health insurance premiums.

Medical and Health Savings Accounts

If you have a medical or health savings account, you pay for your own health care expenses. But you do have a safety net -- a high-deductible health insurance policy that protects you from catastrophic medical expenses.

Deductibles and Co-pays

As health care costs continue to rise, subscribers are finding that their benefits are being trimmed while their co-pays and deductibles are increasing. So it’s more important than ever to learn how to get the most out of your health care coverage.

Understanding Health Insurance

Deductibles, premiums, co-pays, COBRA … Health insurance can be complicated. In this article, we explain these key terms and many others, so you can sort through your coverage options and understand your benefits.