Here is as list of some of the most common terms and definitions you hear when you get interested in health insurance:.

Deductible: The portion of your health care that you have to pay before your health insurance starts covering it. Typically, the higher the deductible, the lower the premiums.

Pre-existing condition: A medical condition that the insured person has at the time of enrollment in a health insurance plan. Pregnancy is not included.

Premiums: The monthly or quarterly payments paid for health insurance.

Copay: A fixed dollar amount you pay when you receive health insurance services. Typical copays are for office visits, prescriptions, or hospitalizations.

Coinsurance: A specified percentage of the cost of treatment the insured is required to pay for all covered medical expenses remaining after the deductible has been met.

Disability income insurance: This health insurance plan will provide you with an income if you become unable to work due to an injury or illness. Benefits are usually 60% of your income at the time of disability.

Long-term care policies: These cover medical care, nursing care and certain in-home care if you ever become unable to care for yourself due to an extended illness or disability.