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Understanding Health Insurance Basics

Understanding Health Insurance Basics

by Michael Sprague | Feb 10, 2026 | Health Insurance

A clear guide to understanding health insurance basics, including coverage structure, enrollment rules, and plan selection.

How Health Insurance Costs Change After Major Life Events

How Health Insurance Costs Change After Major Life Events

by Michael Sprague | Feb 2, 2026 | Health Insurance

Health insurance cost changes often happen after major life events such as marriage, job changes, or relocation.

Out-of-Pocket Costs in Health Insurance You Should Know

Out-of-Pocket Costs in Health Insurance You Should Know

by Michael Sprague | Feb 2, 2026 | Health Insurance

Out-of-pocket health insurance costs include deductibles, copays, coinsurance, and maximum limits that affect total spending.

Health Insurance Deductibles vs Premiums Explained Simply

Health Insurance Deductibles vs Premiums Explained Simply

by Michael Sprague | Feb 2, 2026 | Health Insurance

Health insurance deductibles premiums affect both monthly costs and out-of-pocket expenses when care is needed.

What Affects Your Monthly Health Insurance Premium

What Affects Your Monthly Health Insurance Premium

by Michael Sprague | Feb 2, 2026 | Health Insurance

Several factors affect your monthly health insurance premium, including coverage design, networks, benefits, and location.

Why Health Insurance Costs Vary So Much | Vivna Insurance

Why Health Insurance Costs Vary So Much | Vivna Insurance

by Michael Sprague | Feb 2, 2026 | Health Insurance

Health insurance costs vary so much due to coverage levels, deductibles, networks, and regional pricing differences.

How Health Insurance Billing Works

How Health Insurance Billing Works

by Michael Sprague | Jan 28, 2026 | Health Insurance

Learn how health insurance billing works, including claims, EOBs, and patient responsibility after care.

In-Network vs Out-of-Network Costs

In-Network vs Out-of-Network Costs

by Michael Sprague | Jan 28, 2026 | Health Insurance

Learn the difference between in-network and out-of-network costs and how provider networks affect your healthcare expenses.

What Is an Out-of-Pocket Maximum

What Is an Out-of-Pocket Maximum

by Michael Sprague | Jan 28, 2026 | Health Insurance

Learn what an out-of-pocket maximum is and how it protects you from high medical costs when using health insurance.

What Is a Health Insurance Premium

What Is a Health Insurance Premium

by Michael Sprague | Jan 28, 2026 | Health Insurance

Learn what a health insurance premium is, how it affects total costs, and how to compare plans confidently.

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