Kathy Hanlon and her sons, Sergio (left) and Cristian, were traumatized by Superstorm Sandy. Hanlon says her flood insurance company made life after Sandy even more horrible Charles Lane/NPR hide caption

itoggle caption Charles Lane/NPR

Dallas insurance agent Jo Ann Charron has worked with clients to help clear confusion over subsidies offered by plans on the federal health insurance exchange. This sort of free guidance can save insurance shoppers time and money, agents say. LM Otero/AP hide caption

itoggle caption LM Otero/AP

Bridgeit Vaughn (left), of the billing office at Mid State Orthopaedic, meets with Gayle Jackson-Pryce to discuss the costs of Jackson-Pryce's upcoming shoulder surgery. Jenny Gold for NPR hide caption

itoggle caption Jenny Gold for NPR

America's Health Insurance Plans President and CEO Karen Ignagni says she would loosen regulations on which insurance plans comply with the Affordable Care Act by adding a "lower tier" option that could entice healthier people. Manuel Balce Ceneta/AP hide caption

itoggle caption Manuel Balce Ceneta/AP

Peter Lee, executive director of Covered California, the state agency running the state's new health exchange, announced the plans and prices that will be offered by private insurers on May 23. Rich Pedroncelli/AP hide caption

itoggle caption Rich Pedroncelli/AP

Chick-Fil-A employees Jennifer Cummins, right, and Joshua Figaretti work out in the gym during lunch at the company's corporate headquarters office in Hapeville, Ga. Increasingly employers are offering health plan incentives to encourage healthy behaviors from workers. Ric Feld/AP hide caption

itoggle caption Ric Feld/AP

Patients say they feel little personal responsibility for keeping health costs lower. Andrei Tchernov/iStockphoto.com hide caption

itoggle caption Andrei Tchernov/iStockphoto.com

Rates for female applicants could be up to 40 percent higher under Genworth Financial's new pricing policy. iStockphoto.com hide caption

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The health services offered in 30 years may not be explicitly covered by the long-term care insurance you buy today. Pamela Moore/iStockphoto.com hide caption

itoggle caption Pamela Moore/iStockphoto.com
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Health insurance plans that require consumers to pay more in out-of-pocket medical expenses may have hidden costs. iStockphoto.com hide caption

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Child-only policies can be critical to some families, including those where an employer doesn't offer dependent coverage. iStockphoto.com hide caption

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Not many elderly people get long-term care insurance. It's expensive and many hope their kids will look after them instead. iStockphoto.com hide caption

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Here goes nothing. A big jump over the Zambezi River in Africa. James Whatley/Flickr hide caption

itoggle caption James Whatley/Flickr

Illinois farmers harvest corn crops near Monticello, Ill. An unseasonably hot summer likely damaged much of this year's corn crop, which means farmers may seek support through their crop insurance.

Seth Perlman/AP hide caption

itoggle caption Seth Perlman/AP