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How Will Obamacare Affect You?

Know More About What You're Buying

Tax Credit

If you get a premium tax credit, the federal government pays a portion of your monthly health insurance bill directly to the insurance company. You pay the balance.

Premium

When you buy your health insurance plan, you'll be required to pay a fixed amount of money every month. This is called your premium.

Co-pay

Even if insurance covers many of your health care costs, there's usually still a copay: a fixed amount you have to pay for certain things like going to the doctor or buying prescription medicine.

Deductible

Nearly every plan has a deductible. It's a required amount of your own money that you'll need to spend on your health care bills before the health insurance company begins to share the costs.

Coinsurance

Once you've met your deductible, your insurance carrier will start to share your healthcare costs. This is called coinsurance. The carrier pays a percentage, and you pay the rest.

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