Health insurance can be confusing. It isn’t always easy to understand the different costs that may be part of your health plan. Premiums, deductibles, copays, coinsurance, out-of-pocket maximums—if you’re not really sure what these terms mean, you’re not alone. Educating yourself about how health insurance works can help you plan ahead, calculate how much you may need to pay for your health care, and make the most of your health plan.

A Health Risk Assessment is an online program that helps determine your risk for certain health conditions and gives you a personalized plan for achieving your specific health goals. Available to all APWU Health Plan members, Health Risk Assessments analyze your health-related responses and create a profile with information to put you on a path toward good physical and mental health.