Adjacent: Medicine & Systems · Systems
Navigating the US Health System
A practical guide: premiums, deductibles, coinsurance and out-of-pocket max; HMO vs PPO vs HDHP+HSA; in-network vs out-of-network; preventive care that's free; surprise-billing protections; and how to fight a bill.
Step 1 of 5 · Overview25 min read ·
Key idea
Prereqs: none. Next: Building a longevity plan. Sources: HealthCare.gov glossary; No Surprises Act (effective 2022); ACA preventive services list; IRS HSA limits (2025: $4,300 self / $8,550 family).Next: 1. How a plan pays