Navigating the world of health Insurance can be tricky, especially if you’ve found yourself with more than one health insurance plan to figure out. While most Americans only have one plan, known as “primary” insurance, some individuals will have another plan, known as “secondary” insurance.

While it sounds confusing, having dual insurance like this is perfectly legal—you just need to make sure you’re coordinating your two benefits correctly to make sure your medical expenses are being covered compliantly.

If you’re new to dual insurance, then this article is for you! We’ll cover:

• Why someone might have two health insurance plans
• How to coordinate primary and secondary health insurance plans
• How to determine which insurance is primary and which is secondary
• Whether or not you’ll have any out-of-pocket costs