Finding the right health insurance plan involves considering your healthcare needs, budget, and personal preferences. It's often helpful to consult with an insurance agent to compare plans, coverage options, and costs through the Health Insurance Marketplace, private insurers, or your employer's offerings.

Health insurance is a contract between an individual and an insurance company that provides financial coverage for medical expenses and healthcare services. It helps policyholders pay for their medical bills and access necessary healthcare.

There is no additional cost when using an agent to help with health insurance.

A deductible is the amount you must pay out of pocket before your health insurance plan starts covering your healthcare expenses. It is an annual cost that policyholders are responsible for before their insurance begins to pay.

A copayment, or co-pay, is a fixed amount that you pay for a covered healthcare service or prescription drug, typically due at the time of service. The insurance plan covers the remaining cost.