Note to reader: This guide offers general information only. Do not rely solely on this guide in making health insurance decisions. Health insurance plans vary widely, both in cost and in benefits. Before enrolling in a health insurance plan, you should consult the plan brochure and read the policy to get specific information about the benefits and costs and the way the plan works. This guide was developed jointly by the Agency for Healthcare Research and Quality and America’s Health Insurance Plans to provide consumers with general information about health insurance options.