HMOs: prepaid care under the Knox-Keene Act

How HMOs manage care, and the protections enrollees keep

HMO timely access, grievances and independent medical review

PPOs: pay less in network, still covered outside it

EPOs, and HMO vs. PPO vs. EPO

Network protections in insurer plans: surprise bills, continuity of care and reviews

Consumer-driven health plans and HRAs

Medical savings accounts: Archer MSAs and Medicare Advantage MSAs

HDHPs and HSAs: who qualifies and who can contribute

HSA withdrawals, inherited HSAs and the California difference

Health FSAs: the use-it-or-lose-it account

Dental and vision: optional for adults, mandatory for children

Contract provisions: cost sharing, the out-of-pocket limit and coordination of benefits

Grace period, renewal and when an insurer may end coverage

Common exclusions and limitations, and what California will not let a policy exclude