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NEA Legal & Employment Guidance

Decoding Educator Health Care Benefits

Having trouble understanding your health care coverage options? NEA's health care experts have broken down some of it for you.
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Published: April 25, 2022
This resource originally appeared on
Making sense of your health care coverage is important, whether you’re reviewing the plan you are currently enrolled in, working with your employer to restructure a plan, or looking for a new plan.

However, it can take health benefit expertise, and advanced planning to compare different health plan design options, and various cost sharing requirements such as premiums, copayment, coinsurance, and deductible amounts.

Having trouble decoding your health care coverage options? NEA's health care experts have broken down some of it for you. 

  • Key Health Plan Features that Affect Members' Finances
  • Health Plan Structures That Affect Plan Members' Access to Care
  • Common Tax-Advantaged Health Care Accounts
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Key Health Plan Features that Affect Members’ Finances 

For further information on health care terms see the Centers for Medicare & Medicaid Services' Glossary of Health Coverage and Medical Terms.

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Health Plan Structures That Affect Members' Access to Care

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Common Tax-Advantaged Health Care Accounts

Need more guidance before choosing your health care plan? Fill out our Health Care Plan Selection Worksheet.

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The Union of Vermont Educators

The Vermont-National Education Association is the union of Vermont educators, 13,000 professionals who teach the state's children every day. As the state's largest union, Vermont-NEA is proud to represent the people who make a difference in the lives of students in classrooms across Vermont.