Health Insurance in 2025: What You Need to Know

Health insurance is more than just a policy — it's your financial safety net against unexpected medical expenses. Whether you're self-employed, raising a family, or living abroad, having the right health coverage in 2025 is essential.

🩺 Types of Health Insurance Plans

  • HMO: Lower premiums, but requires referrals and in-network providers
  • PPO: Higher flexibility, lets you see specialists without referrals
  • HDHP + HSA: High-deductible plans paired with Health Savings Accounts (great for healthy individuals)
  • ACA Marketplace: Affordable Care Act plans with subsidies based on income
  • Expat / Global Plans: For those living or traveling outside their home country

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