Health Plan Types — HMO, PPO, EPO, POS, HDHP & Metal Tiers

Understand plan structures, referral rules, networks and cost trade-offs.

HMO Plans — Primary Care & Referrals

Learn features, pros/cons, and who it fits.

PPO Plans — Flexibility Without Referrals

Learn features, pros/cons, and who it fits.

EPO Plans — In-Network Without Referrals

Learn features, pros/cons, and who it fits.

POS Plans — Hybrid of HMO & PPO

Learn features, pros/cons, and who it fits.

HDHP Plans — High Deductible for Lower Premiums

Learn features, pros/cons, and who it fits.

HSA — Health Savings Accounts Explained

Learn features, pros/cons, and who it fits.

Catastrophic Plans — Lowest Premium, High Deductible

Learn features, pros/cons, and who it fits.

Bronze Plans — Lower Premiums, Higher OOP

Learn features, pros/cons, and who it fits.

Silver Plans — Cost-Sharing Reductions Eligible

Learn features, pros/cons, and who it fits.

Gold Plans — Higher Premiums, Lower OOP

Learn features, pros/cons, and who it fits.

Platinum Plans — Highest Premiums, Lowest OOP

Learn features, pros/cons, and who it fits.