June 8, 2026

I have a finance degree and ran a bookkeeping business — and I still sat on the floor postpartum, surrounded by hospital bills, unable to figure out what I owed. If health insurance baffles you, it’s not you; it’s designed that way. Here’s every term that matters — premium, deductible, copay, coinsurance, out-of-pocket max, HSA vs. FSA — explained in plain English, with real numbers, so you’re ready before the envelopes start arriving.