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: A 60-day window triggered by a "Qualifying Life Event," such as losing a job, getting married, or having a baby. Where to Look Employer : Most people get insurance through work.

: An annual period (usually late fall) where anyone can sign up for the next year. buying health insurance for dummies

: The amount you must pay out-of-pocket for covered services before your insurance starts to chip in. : A 60-day window triggered by a "Qualifying

: Moderate premiums and moderate costs. These often qualify for extra savings (subsidies) if you have a lower income. " such as losing a job

: Usually limits coverage to care from doctors who work for or with the HMO. You typically need a referral from a primary doctor to see a specialist.