Table of Contents

Part 1: Insurance Basics

• How Insurance Works

• Alternatives

• Beyond Perfect Health

• Help for the Uninsured

• Consumer Protection

Part 2: Getting Covered

• Gather Your Information

• Create a Schedule

• Establish a Budget

• Finding Insurance

• Implementing the Plan

Part 3: What's Available in                 My Region

• Region 1: Northwestern

• Region 2: Northern

• Region 3: Southwestern

• Region 4: Central

• Region 5: Eastern

Part 4: Helpful Hints & Info

• Hospital Costs

• Insurer Rating Companies

• Insurer Contact Info

• Glossary

Important Facts

Employees consider health insurance to be, by far, the most important fringe benefit.
• More Facts...

• Complete Guide (PDF)

Health Plan Comparisons Chart (PDF)
The Health Plan Comparisons chart underscores that plan type and employee cost sharing choices have important implications for premium cost and provider choice.  In general, plans with more cost sharing have lower premiums, and plans with more provider choice have higher premiums. 

Employee Cost Sharing Chart (PDF)
The Employee Cost Sharing chart provides details on enrollees' potential financial responsibilities (in addition to premiums) for medical services, supplies and prescription drugs.  These costs are considered "potential" because if no health care is consumed then no cost sharing is incurred.

Comparisons of Other Health Benefit Options Chart (PDF)
The Comparisons of Other Health Benefit Options chart provides information about health savings accounts (HSAs), health reimbursement arrangements (HRAs) and flexible spending accounts (FSAs).

Complete Northern Virginia Regional Insert (PDF)
The Northern Regional Insert provides information about insurance products available in this region of Virginia.

This website is provided as a resource to small business owners in the Commonwealth of Virginia as part of Virginia's State Planning Grant. To learn more about the Virginia State Planning Grant, please visit http://www.InsureMoreVirginians.org. Information is also available in a print version which may be obtained at the following locations:

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