Meet Connor,
Your AI Health Broker.

Think of your health plan like a membership to a club, like Netflix or a swimming pool. Your **premium** is the small fee you pay every month to stay a member. You pay it even if you don't go to the doctor that month, just to keep your plan active.

Imagine you have a special piggy bank. Before your health plan starts paying for your big doctor bills, you have to fill this piggy bank up yourself. The amount of money you need to put in is your **deductible**. Once it's full, your insurance starts helping out a lot more!

Copay: This is like a ticket to get into the doctor's office. It's a small, flat fee (like $25) you pay each time you visit.

Coinsurance: After your piggy bank (deductible) is full, you start sharing the bill with your insurance, like splitting a pizza. They pay the big part, and you pay a small part (your share).

This is your SUPER safety net! It's the absolute most you will ever have to pay for your medical bills in one year. If you get sick a lot, once you've spent this amount, your health plan pays for 100% of everything else for the rest of the year. It's a cap that protects you.

Think of your health plan's network as a team of friendly doctors and hospitals. Staying "in-network" means you're using doctors from your team, and you'll pay the least amount of money. Going "out-of-network" is like visiting a doctor from another team, which can cost you a lot more.