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Health insurance in the U.S. is notoriously confusing. So we’re covering the basics to make navigating your plan a little easier. We explain the difference between a deductible and an out-of-pocket limit, define copay and coinsurance, and point out where surprise bills can get you in trouble, from out-of-network providers to prior authorizations. 

Read more coverage from our “Bill of the Month,” “Health Care Helpline,” and “Priced Out” series:

• “How To Make a High-Deductible Health Plan Work for You,” by Jackie Fortiér.
• “To Avoid Care Disruptions, Know When the Clock Runs Out on Your Prior Authorization,” by Sarah Boden.
• “So Your Insurance Dropped Your Doctor. Now What?” by Bram Sable-Smith.