Tools & Guides to Help You Make Smarter Coverage Decisions
Navigating health insurance doesn't have to be overwhelming. Use these free tools, guides, and links to research your options — and reach out to James whenever you're ready for personalized help.
Get a Quote Online
Use these trusted tools to explore plan options and pricing in minutes.
HealthSherpa
ACA MarketplaceShop ACA Marketplace plans for individuals and families. Compare premiums, deductibles, and networks side by side — and see if you qualify for tax credits.
Shop Individual & Family PlansBCBS Global Solutions
International CoverageGet a quote for international health coverage through Blue Cross Blue Shield Global Solutions — ideal for expats, long-term travelers, and globally mobile individuals.
Get an International QuoteArticles & Guides
Plain-language articles on Medicare, ACA plans, ICHRA, and more — written to answer the questions our clients ask most.
Coverage Guides
Plain-language explanations of the plans we offer — no jargon, no sales pitch.
Understanding ACA Marketplace Plans
Learn how metal tiers work, what tax credits you may qualify for, and how to pick the right plan for your household.
Explore Individual & Family PlansMedicare 101: Your Options Explained
Original Medicare, Medicare Advantage, Medigap, and Part D — understand the differences and key enrollment windows before you miss them.
Explore Medicare OptionsWhat Is ICHRA and Is It Right for My Business?
ICHRA lets employers reimburse employees for individual health insurance tax-free. Learn how it works and whether it fits your business.
Explore ICHRASmall Business Health Coverage Options
Compare traditional group health plans with ICHRA — and find out which approach gives your team the best coverage at the best cost.
Explore Small Business PlansInternational Health Insurance for Expats & Travelers
If you live, work, or travel outside the U.S., domestic plans won't protect you. Learn what BCBS Global Solutions covers and who it's designed for.
Explore International PlansSupplemental Insurance: Filling the Gaps
Accident, critical illness, hospital indemnity, and disability plans pay cash directly to you when your primary coverage falls short.
Explore Supplemental PlansKey Insurance Terms
A quick-reference glossary for the terms you'll encounter most.
Premium
The monthly amount you pay to keep your insurance active, regardless of whether you use it.
Deductible
The amount you pay out of pocket for covered services before your insurance starts sharing costs.
Copay
A fixed dollar amount you pay for a specific service (like a doctor visit) at the time of care.
Coinsurance
Your share of costs after you've met your deductible — typically expressed as a percentage (e.g., you pay 20%, insurance pays 80%).
Out-of-Pocket Maximum
The most you'll pay in a plan year for covered services. After you hit this limit, insurance covers 100%.
Network
The group of doctors, hospitals, and providers that have agreed to provide services at negotiated rates for your plan.
ACA / Marketplace
The Affordable Care Act created Health Insurance Marketplaces where individuals and families can shop for subsidized coverage.
ICHRA
Individual Coverage Health Reimbursement Arrangement — an IRS-approved way for employers to reimburse employees for individual health insurance tax-free.
Still Have Questions? UrHealth Benefits Can Help.
No tool replaces a real conversation. If you're unsure which plan is right for you, call or message us — there's no obligation and no pressure.