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Guide to Health Care Insurance

​​​​​​​​​​​​Last Updated: March 26, 2026​

Full version of publication: Guide to Health Care Insurance​


Health insurance​ can refer to a variety of insurance policies​ depending on what t​hey 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. ​​​

Glossary Tip: 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 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).

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