Key insurance terms that start with "T"

An additional premium your insurance company can charge if you're a tobacco user. Insurance plans can charge tobacco users up to 50% more than non-smokers. If you quit smoking, you can request that the surcharge be removed after a tobacco-free period (usually 12 months).

Short-term temporary coverage to bridge gaps between jobs or insurance plans. Transitional coverage typically lasts a few weeks to a few months and provides basic protection. It's less comprehensive than permanent insurance but useful when you're between plans.

The full cost of your health insurance plan each month before any subsidies or tax credits are applied. Your employer may pay part of this premium, and the rest comes out of your paycheck. If you have subsidies, the actual amount you pay is lower than your total monthly premium.

Health care provided remotely through video calls, phone calls, or online visits with a doctor. Telehealth lets you get care without traveling to a doctor's office, which is convenient for routine care, prescriptions, and follow-ups. Many insurance plans cover telehealth with a copay or for free.

Money the government gives you through your taxes to help pay for health insurance. Premium Tax Credits help pay your monthly premium, while the Health Coverage Tax Credit helps certain people pay premiums for COBRA or individual coverage. You can receive these credits in advance or claim them when you file your taxes.