This quick video, courtesy of Kaiser Permanente, explains health insurance using easy-to-understand terminology. It breaks down important insurance concepts, such as premiums, deductibles, provider networks. You'll also learn how to pay for coverage and obtain medical care and prescription drugs when enrolled in various types of health insurance, including HMOs and PPOs.

Simply put, healthcare costs are often too high for many people to afford. Your premium (i.e. how much you pay for your health insurance each month) covers the costs that Baylor Scott & White Health Plan absorbs to provide your insurance coverage as well as the medical care you might receive — everything from prescription drugs and doctor visits to hospital stays and customer service. Here's a breakdown of where your premium dollar goes:

Here’s another video, courtesy of America’s Health Insurance Plans (AHIP), showing you how your provider network helps you maximize your health plan benefits while minimizing the effect on your wallet.

In this video, courtesy of AHIP, see what goes into selecting a health plan that’s right for you and your family.