Whether you’re taking a day trip down the shore or that bucket list two-week escape, planning ahead can save you a big bill and a big headache.

Health care costs drives premiums. Here’s what you’d pay without insurance.

The formulary—list of covered medications under your plan—continues to be our most important tool in providing safe, effective medications at the best cost. Here’s how it works. 

Nearly 90% of premiums pay doctors, hospitals, pharmacies and medical claims.

Benefit spotlight:  Horizon members now have access to same-day, in-home, in-network care