Health Insurance Terms Explained (Plain-English Glossary) | Optimized Insurance Plans

Optimized Insurance Plans Team

Published on: 02/06/2026

Premium, deductible, copay, coinsurance, formulary, EOB — what do they all mean? This plain-English health insurance glossary defines the terms you actually need to know.

Health Insurance

What Affects Health Insurance Cost? Premium Factors | Optimized Insurance Plans

Optimized Insurance Plans Team

Published on: 13/01/2026

Why is your health insurance so expensive? Here's a plain-English look at what actually drives your premium — age, plan type, where you live, subsidies — and how to lower it

Health Insurance