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Watch: 8 Health Insurance Terms You Should Know
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.
More from KFF Health News
Listen: Cheap Health Insurance Isn’t Always Cheap
Across the country, people are choosing lower monthly premiums in exchange for higher out-of-pocket risk. Reporter Jackie Fortiér explains what the shift means for Americans’ health and wallets.
By Jackie Fortiér April 21, 2026
How To Make a High-Deductible Health Plan Work for You
By Jackie Fortiér and Oona Zenda April 13, 2026
Listen: Why Do I Need Prior Authorization?
By Sarah Boden Feb. 17, 2026
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