Sun-Times translates foreign terms for new 'Obamacare' health insurance options

What’s the difference between a deductible and a premium? What’s considered out-of-pocket? Who can get a catastrophic plan?

These are just some of the questions that might seem foreign to you, if you’ve never purchased a health insurance plan before — and even if you have.

Chicago Sun-Times provides a few basic things that you should keep in mind when looking at health insurance on the new online marketplace — assuming you’re able to get onto HealthCare.gov.

The online marketplace is for people who make up to $45,960 for an individual and up to $94,200 for a family of four. Tax credits also are likely an option. (People who make less may qualify for Medicaid. Go to GetCoveredIllinois.gov.)

GetCoveredIllinois.gov also has information on how you can apply for a health insurance plan by phone, if you want to get started on the process.