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Health coverage, in plain language

Short, jargon-free definitions of the terms you'll run into — so you can make decisions with confidence.

COBRA Alternatives (Post-employment coverage)

When you leave a job, COBRA lets you keep your former employer's plan temporarily — but it's often expensive. Alternatives include individual-market plans, health shares, and short-term coverage that can bridge the gap at lower cost.

Direct Primary Care (DPC)

Direct Primary Care is a flat monthly membership that gives you a direct relationship with a primary care practice — longer visits, easier access, and transparent pricing — outside of the insurance billing system.

Health Share (Health Care Sharing)

A health share is a member-funded medical cost-sharing arrangement where members contribute monthly and share one another's eligible medical costs. It is not insurance and is not regulated as insurance.

ICHRA (Individual Coverage HRA)

An ICHRA (Individual Coverage Health Reimbursement Arrangement) lets an employer reimburse employees, tax-free, for individual-market health premiums instead of offering a single group plan.