Guide to Health Care Insurance

​​​​​​​​​​Last Updated: May 16, 2024​

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
Order a publication online 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 Insu​rance (OCI).