Guide to Health Care Insurance

​​​​​​​​​Last Updated: April 14, 2022

Full version of publication: Guide to Health Care Insurance​

Health insurance can refer to a variety of insurance policies depending on what they cover, how they ar​e purchased and paid for, and the rules that govern the health plan.

This guide provides general guidelines on types of health care insurance coverage, health plan designs, health plan options including those available through the Affordable Care Act, important terms and definitions, and the grievance and independent review process. ​​​


To more easily view a glossary term in a PDF within your internet browser, simply hold the CTRL (control) key (or ⌘ key on a Mac) while clicking on the dotted-underlined term​. This will open the glossary in a new window, allowing you to hold your spot within the consumer guide.

Request a Copy by Mail
If you wish to receive a printed version of this guide by mail, click here or call 1-800-236-8517 to request a copy.

File a Complaint
If you have a specific complaint about your insurance, refer it first to the insurance company or agent involved. If you do not receive satisfactory answers, contact the Office of the Commissioner of Insurance (OCI).

  • ​Reach out to OCI (1-800-236-8517, to speak with our staff. If sending an email, please indicate your name and phone number.

  • File a complaint with OCI. You can file a complaint online by clicking here. If you would like to file your complaint by mail, you can download a complaint form in English or Españ​ol.​