A deductible is the amount you pay out-of-pocket for healthcare services before your insurance starts to cover costs. For example, if you have a $1,000 deductible, you must pay the first $1,000 of your medical bills yourself.

You can usually change your health insurance plan during the Open Enrollment Period or if you experience a qualifying life event, such as marriage, childbirth, or a job change. Check with your provider for specific guidelines.

To file a claim, contact your insurance provider and follow their process, which typically involves submitting a claim form and any required documentation. Keep copies of all paperwork and follow up to ensure your claim is processed.