Programs & Law
Understand major healthcare laws and programs — the ACA marketplace, COBRA continuation coverage, and HIPAA privacy rights.
10 Terms in This Topic
COBRA
A law allowing you to keep employer-sponsored insurance after leaving a job, at full cost.
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Cost-Sharing Reduction (CSR)
Extra savings on deductibles, copays, and out-of-pocket maximums for Silver plan enrollees with lower incomes.
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Creditable Coverage
Health coverage that meets minimum standards, preventing late enrollment penalties in Medicare.
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Related Guides
Head-to-Head Comparisons
Top Providers
Companies offering programs & law plans. Click any card to visit their official website.
UnitedHealthcare
uhc.com
Largest US health insurer. Offers HMO, PPO, EPO, and HDHP plans through employers and the ACA marketplace.
Blue Cross Blue Shield
bcbs.com
Nationwide network of independent BCBS companies covering all 50 states. Offers HMO, PPO, POS, and HDHP plans.
Aetna (CVS Health)
aetna.com
National insurer offering HMO, PPO, EPO, and HDHP plans through employers and the marketplace.
Cigna Healthcare
cigna.com
Global health services company offering HMO, PPO, EPO, and HDHP plans, with strong international coverage.
Humana
humana.com
Major insurer offering PPO, HMO, and HDHP plans through employers and the marketplace.
Kaiser Permanente
kaiserpermanente.org
Integrated HMO with its own hospitals and doctors across 8 states + D.C. Known for coordinated, affordable care.
Elevance Health (Anthem)
elevancehealth.com
One of the largest BCBS licensees. Offers HMO, PPO, EPO, POS, and HDHP plans across many states.
Oscar Health
hioscar.com
Tech-focused insurer offering HMO and EPO marketplace plans with virtual care and a $0 copay primary care model.
Ambetter (Centene)
ambetterhealth.com
ACA marketplace-focused insurer offering low-cost HMO and EPO plans in many states.
Molina Healthcare
molinahealthcare.com
Specializes in Medicaid and ACA marketplace plans for low- to moderate-income individuals and families.
Centene Corporation
centene.com
Largest Medicaid managed care organization in the US, operating under brand names like Ambetter, WellCare, and others.
Availability varies by state, age, and plan type. Always verify current offerings with the provider.
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