FinStockGenius

Why does health insurance feel like rocket science? If you’ve ever tried to choose a health insurance plan in the US and felt your brain go numb – you’re not alone! Even locals often get confused by deductibles, coinsurance, PPOs, and all those strange acronyms. But don’t worry. Today, we’ll break it down like you’re chatting with a friend over coffee. Whether you live in the US, plan to move there, or just want to understand how American insurance works (it affects global finance and business too!) – this is your simple, jargon-free guide. 📚 What makes US health insurance so complicated? Let’s be real: health insurance in the US isn’t just a product – it’s an industry worth $1.3 trillion . Why so complicated? ✅ So many plan types (HMO, PPO, EPO, POS) ✅ Hidden terms (deductibles, copayments, coinsurance, out-of-pocket maximums) ✅ Laws and employer plans that change yearly ✅ Private insurers + government plans (Medicare, Medicaid) mixed together Real-life example:...