Questions To Ask When Buying Private Health Insurance (2025)

This is the amount you must pay out-of-pocket for covered services before the insurance company starts to pay its share. For 2026 , High-Deductible Health Plans (HDHPs) have minimums of $1,700 for individuals and $3,400 for families.

This is the most you will pay in a year for covered services. In 2026 , the limit for HDHPs is $8,500 for individuals and $17,000 for families. questions to ask when buying private health insurance

Depending on your income, you may qualify for premium tax credits or cost-sharing reductions through the Health Insurance Marketplace. Network and Providers This is the amount you must pay out-of-pocket

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Check the costs for primary care visits, specialists, and urgent care.