Health Insurance Information Welcome to our website...

Some health insurance websites help people to get quotes from certain companies. Other sites explain the basics of health insurance so that people can better understand their options.  Some sites provide current news, articles and other health insurance information - like defined contribution and Health Reimbursement Arrangements.  Still other websites discuss public policy concerning health insurance. The purpose of Health-Insurance-Info.net is to provide all of this information in one educational website.

Health-Insurance-Info.net is designed to help employers source the best health insurance information for their employees and to help individuals get the best health insurance for themselves and their dependents. The more that you know about how health insurance works and the variety of health benefits options that are available, the more likely you are to get the best coverage.

Health-Insurance-Info.net starts by explaining basic health insurance principles, moves to more advanced health insurance topics, provides you with links to additional resources, and then links to health insurance plans where you can get quotes.  We believe that this approach will give you the best health insurance information and insights to get a better deal than if you went directly to a health plan's site to get quotes.

There is a separate page for each of the topics.  To be honest, some of the first topics are a little dry.  You may skip ahead to the more advanced topics if you wish.  However, if you progress through this site from start to finish, you will find that the information builds in a logical manner and gain a good understanding of health insurance.

This site is for educational purposes only.  If you use this site, you agree to do so at your own risk.  You should contact agents directly and get the right health insurance information from them before making any decisions.  We do not recommend any specific insurance plans and are not responsible for the accuracy of information on any linked websites.

We believe that you will find Health-Insurance-Info.net to be useful and welcome your suggestions on ways to improve it. Health-Insurance-Info.net currently focuses mainly on health insurance in the United States, but we plan to expand it to cover health systems and insurance in other countries.  We also plan to list links to insurance plans by state so that you can more easily review the health insurance plans available in your state.

Please click on the following links for information on each topic.  We recommend reading them in order like a mini-course on health insurance.

Why is Health Insurance Important?

Affordable Health Insurance -
( Estimating Your Future Health Care Costs )

How Much Does a Plan Spend on Administrative Cost?

How Does Health Insurance Reduce Risk?

How Does Insurance Affect Use of Services?

How Much are Out-of-Pocket Costs?

What Does Health Insurance Not Cover?

Health Insurance Policy -
( Evaluating Health Insurance Plans )

Community Rating vs. Experience Rating

Adverse Selection and Cream Skimming

Pros and Cons of Group Health Insurance

Coverage When You Change Jobs

Coverage for the Self-Employed

Self-Insured Employers

Fee-For-Service and Indemnity Insurance

Health Maintenance Organizations (HMOs)

PPO and POS plans

Managed Care

Flexible Spending Accounts (FSAs)

Medical Savings Accounts (MSAs)

Health Reimbursement Arrangements (HRAs)

Defined Contribution Health Benefits

Medicare

Medicaid

Long Term Care

CCRC or Lifecare for Long Term Care

Disability Insurance Information

Other Health Benefits Terms

Universal Family Health Insurance and Mandated Benefits

Other Resources