HMO is a Health Maintenance Organization. HMO health plans require you to use a network of providers local to your area and must select a primary care physician (PCP) who coordinates your care, including referrals to specialists. They typically offer lower premiums and out-of-pocket costs but less flexibility in provider choice. They do not have coverage for out-of-network unless it’s an emergency.

An EPO (Exclusive Provider Organization) health plan is like a hybrid between HMO and PPO it offers a balance of cost savings and flexibility. It requires you to use a network of doctors, specialists, and hospitals for coverage, but unlike an HMO, it does not require referrals to see specialists. However, out-of-network care is typically not covered, except in emergencies. EPOs are ideal for those who prefer lower premiums and a simpler healthcare structure while staying within a designated provider network.

PPO is a Preferred Provider Organization. PPO health plans provide flexibility and convenience, allowing you to visit any doctor or specialist without needing a referral. You have access to a broad network of providers nationwide, and while you can see out-of-network doctors, staying in-network typically offers lower out-of-pocket costs. PPOs are ideal for those who want more freedom in choosing healthcare providers and specialists.

Major Medical Insurance provides comprehensive coverage designed to protect you from the high cost of serious medical events. Key benefits include:

Doctor visits and specialist care

Hospital stays and surgery

Emergency and urgent care

Prescription drug coverage

Preventive care and annual checkups

Mental health services

Lab work and diagnostic imaging

Unlike limited benefit plans Major Medical covers you from routine care all the way up to catastrophic events — so one unexpected diagnosis or accident doesn't wipe out your savings. It's the most comprehensive health coverage available on the private market.

Non-major medical plans are built for people who want real coverage without the high price tag of traditional insurance. Typically you'll find $0 deductible plans, fair coinsurance, and a true max-out-of-pocket cap — so you always know what your worst-case cost looks like

ACA Marketplace plans (also known as Obamacare) offer subsidies if you qualify, helping lower you monthly premium cost. You don't have to worry about pre-existing conditions on marketplace plans.