How much will this cost me each month and when do I have to pay?

Your monthly payment is called a premium.

The price depends on the plan you pick, your age, where you live, and any discounts you qualify for. You pay this amount every month to keep your coverage active.

Most plans also have costs when you get care. These include copays (a set amount for a visit), a deductible (what you pay each year before your plan pays more), and coinsurance (a percentage of the bill after the deductible). Plans with lower monthly premiums often have higher costs when you use care, and the opposite is also true.

Premiums are usually due once a month, like a phone bill. If you miss payments, your plan can be canceled after a grace period. Setting up auto-pay or reminders can help you stay on track.

Before you choose a plan, think about how often you visit the doctor, the medicines you take, and your budget. The goal is to find a balance between the monthly premium and the costs you pay when you need care.

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