“Choosing a health insurance plan can be complicated. Knowing just a few things before you compare plans can make it simpler.
The 4 “metal” categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with quality of care.
Your total costs for health care: You pay a monthly bill to your insurance company (a “premium”), even if you don’t use medical services that month. You pay out-of-pocket costs, including a deductible, when you get care. It’s important to think about both kinds of costs when shopping for a plan.
Plan and network types — HMO, PPO, POS, and EPO: Some plan types allow you to use almost any doctor or health care facility. Others limit your choices or charge you more if you use providers outside their network.”
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“One in five adults in the U.S. — about 53 million people — are caregivers who provide support for a relative or friend with an illness or disability. Many do so without financial compensation. The National Alliance for Caregiving and AARP published a lengthy report on unpaid family caregivers in the U.S. — 
There are 7 common reasons to ask the Social Security Administration to review your Medicare Part B premium.
