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Across 1. A health insurance plan that lows you to pay a monthly or quarterly premium in exchange for health care benifits 3. The amount you are required to pay for medical care in certain types of health care 5. He amount you pay each year to cover medical expences 7. A way of sharing medical costs 8. Medical savings account that allows you to pay future medical expences 9. You can use any doctor or speacialist you choose

Down 2. The way the healthcare system manages its costs and resources 4. Specific conditions or circumstances for which the policy will not provide benifits 6. A health insurance plan that combines elements of an HMO and PPO