People receiving insurance through employers and through public exchanges are all paying more.

The average family of four will pay $24,600 in 2015 healthcare costs.

But understanding the details of your healthcare policy could end up saving you a lot.

The specifics of fourmularies, coinsurance rates, and deductibles are all confusing at first, but it's vital to keep from paying too much.

HR teams can do their employees a favor by helping to navigate these waters.

Read full article at US News & World Report.