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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.
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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.
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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.
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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.
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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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