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  "path": "/notes/us-health-insurance/",
  "publishedAt": "2026-04-22T17:22:48.907Z",
  "site": "https://karthikkadambi.com",
  "textContent": "The US healthcare system is notoriously complex. Here's a quick primer on the terms you'll see during your company's \"Open Enrollment.\"\n\n### Key Terms\n\n  * **Premium:** What you pay every month (usually deducted from your paycheck).\n  * **Deductible:** What you pay out-of-pocket before insurance kicks in.\n  * **Copay:** A flat fee you pay for a doctor's visit (e.g., $20).\n  * **Out-of-Pocket Max:** The most you'll ever have to pay in one year.\n\n\n\n### Plan Types\n\n  * **PPO (Preferred Provider Organization):** Most flexible; you can see any doctor, but \"in-network\" is cheaper. No referrals needed.\n  * **HMO (Health Maintenance Organization):** You must pick a Primary Care Physician (PCP) and get referrals to see specialists. Usually cheaper premiums.\n  * **HDHP (High Deductible Health Plan):** Low premiums, high deductible. Often comes with an HSA (see next note).\n\n",
  "title": "US Health Insurance | PPO, HMO, and HDHP Explained",
  "updatedAt": "2026-02-22T00:00:00.000Z"
}