Understanding Health Insurance Lingo

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  •  Premiums
  • Subsidized Plans
  • Benefits
  • Medicaid
  • Medicare
  • Pre-Existing Conditions
  • Why You Need to Know These Terms
  • Co-pays
  • Deductibles
  • Co-insurance


Benefits are what your health insurance covers under your plan. Each plan will offer “essential health benefits” which include some of the following: maternity and newborn care, mental health services, emergency care, lab tests and ambulance rides. Also, preventive care and preventive screenings under the Affordable Care Act are free and co-pay free. 

(Photo: Joe Raedle/Getty Images)

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