Recent studies have discovered that a large number of Americans do not know fully understand what the terms in their health insurance policy mean. After all, reading and researching health insurance terms and policies can be daunting. Most Americans would rather spend their free time doing other things. While the health insurance industry continues to grow, the plans and policies will continue to evolve and become more complex. It must become a duty of the American people to take the time to learn and understand the meaning of the terms contained in the policy. The results of the survey concluded that the majority of Americans do not even understand basic terms such as HMO, PPO, and HSA. The lack of knowledge of today’s health insurance market will strongly limit the maximum benefit policy owners can obtain. Policy owners can educate themselves by spending some time on Health Plan One’s website. The website contains all of the information necessary to determine which health insurance plan is correct for you. The internet has become a great source to research and learn about the new topics in the healthcare industry.