Open Enrollment for 2027 health plans starts November 1.33 days to get ready

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Watch a free lesson, search the glossary, and see how Premium compares plans for a sample member. Nothing here is saved, and nothing asks who you are.

Every lesson is free, with or without an account. Press play: as each key word is spoken, a plain-language definition pops up, and the key terms panel follows along. Tap any term to jump to that moment, or press CC for captions.

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Insurance premiums

FreeChapter 13:142 key terms

Your premium is the monthly cost of keeping your plan active — whether or not you see a doctor. This lesson explains what the premium does and doesn't buy, and why the lowest premium isn't always the cheapest plan once deductibles and copays are counted.

The full Insurance 101 library

Four short courses, in plain language. Each one is free to watch in Insurance 101.

Course 1

What you pay, and when

The four costs on every plan — premium, deductible, copay, coinsurance — and how they work together across a year.

  1. Insurance premiums3:14
  2. Deductibles3:48
  3. Copays2:56
  4. Coinsurance: sharing the cost3:21

Course 2

Networks & plan types

In-network vs out-of-network, how HMO, PPO, EPO, and HDHP plans decide what you'll pay, and how HSAs and FSAs help you save.

  1. In-network vs out-of-network3:37
  2. HMO plans: understanding your coverage3:56
  3. High Deductible Health Plans (HDHP)4:00
  4. PPO plans: flexibility at a higher cost3:45
  5. EPO plans: network-only, no referrals3:30
  6. FSA & HSA: an overview4:10
  7. HMO vs PPO: which fits you4:20
  8. HSA vs FSA: a detailed comparison4:15

Course 3

Claims & billing

What arrives after a visit — your Explanation of Benefits, the bill that follows, and how to spot billing errors and scams.

  1. Receiving a bill after your EOB3:40
  2. Healthcare fraud & billing scams4:00
  3. Understanding your Explanation of Benefits3:50

Course 4

Choosing a plan

When you can enroll, and how to pick a plan that fits your budget and how you use care.

  1. How to choose a health plan4:30
  2. What is Open Enrollment?3:30

Watch every lesson free in Insurance 101 →

HealthWise provides educational information only, not licensed insurance, financial, or medical advice. The member, employer, and plans on this page are fictional samples. Questions? sales@healthwise.us.com