Health Insurance Basics

Get a solid understanding of health insurance basics so you have the information you need to make a smart decision. When it comes to health insurance, basic information includes plan types, knowing how to select the right doctor and knowing what costs to expect. Here, you can explore these topics and much more. View helpful articles, videos and guides on important health insurance topics.

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Subsidy Estimator

You may be able to lower the costs of your health insurance coverage.
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Your Age^* --Select-- 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 Spouse Age N/A 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 Number of Dependents
(Under 21 Years Old) 0 1 2 3 4 5 6 7 8 9 10 Number of Dependents
(21-27 Years Old) 0 1 2 3 4 5 6 7 8 9 10

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This calculator shows expected spending for individuals and families in a Silver Plan who are eligible to purchase coverage in the Federally Facilitated Exchange under the Affordable Care Act. Under the law, the maximum contributions to premium will be based on modified adjusted gross income, while estimates in this calculator are based on the annual income entered by the user. Based on the information you provide, you can estimate your monthly premium payments and also estimate how much you may receive in federal assistance. Please remember this is just an estimate.

• What is Individual Health Insurance?

  The Health Insurance Education section helps answer questions you have with articles, videos and guides on health insurance basics.

• Employer vs. Individual Health Insurance

  Our Health Insurance Education section provides a number of resources to help you understand the difference between employer health insurance and individual health plans.

• How a Deductible Lowers Your Premium

  Learn how a deductible can help lower your health insurance premiums. Medical Mutual’s Health Insurance Education section has resources to help you better understand the costs of health insurance.

• Selecting a Doctor

  Selecting the right doctor is a very important decision. Medical Mutual’s Health Insurance Education section has resources to help you select a doctor according to your needs.

• Types of Insurance Plans

  Learn about different types of health insurance, such as the difference between a PPO and an HMO. Mutual’s Health Insurance Education section offers resources to help you better understand PPO benefits.

• Understanding an HSA

  Learn all about a Health Savings Account, also known as an HSA. Learn about tax savings and investment opportunities with an HSA. Medical Mutual is here to help you better understand health insurance.

• Understanding Costs

  Explore resources for a better understanding of health insurance costs with Medical Mutual’s Health Insurance Education section.