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Health Insurance

How do I sign up for insurance? Am I eligible for subsidies? Get answers to these questions and more with our Health guides.

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Medicare

Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.

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Life Insurance

We break down barriers to understanding life and final expense policies. View guides or read reviews of popular plans.

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Auto Insurance

We've done the work to learn what goes into auto insurance. View guides to getting the best rates or browse provider reviews.

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Home Insurance

Homeowners insurance doesn't work like you might think - we've done our homework to understand the policy options and benefits out there. Start by scouting your options, or viewing our reviews.

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Pet Insurance

Pet Insurance can be complicated. Explore our guides to basic coverage, end-of-life plans, chronic health conditions, and more.

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Types of Health Insurance Plans

Whether you have health insurance through the marketplace or through your employer, your health insurance plan works by partnering with a network of providers.

• Health Insurance » Types of Health Insurance Plans

Whether you're seeking health insurance through the marketplace or getting it through your employer, your private health insurance plan works by partnering with a network of health-care providers. The costs of insurance and physicians that you can see as part of your plan will depend on which type of health insurance plan you have. Below, we’ll break down the different types of health insurance available to you.

Health Maintenance Organization (HMO)

HMO plans tend to offer less expensive premiums over other types of private health insurance plans. However, when it comes to accessing a network of health-care providers, HMO plans are the most restrictive. With an HMO, you choose a primary care physician who is in your network. Then, you will need a referral from your primary care physician if you need to see a specialist. These types of plans don’t cover any costs for out-of-network health-care providers.

Preferred Provider Organization (PPO)

PPO plans often have more expensive premiums when compared to other types of private health insurance. However, these plans are less restrictive than other types when it comes to the network of providers you can receive care from. With a PPO, you can see in-network physicians at a lower cost, but you still have access to out-of-network health-care providers at a higher cost. Though you will still have a primary care physician, PPOs do not require you to get a referral from your primary care doctor if you need to see a specialist.

Exclusive Provider Organization (EPO)

EPO health-care plans typically have more expensive premiums than HMOs and lower premiums than PPO plans. EPOs are a hybrid of both HMO and PPO. With an EPO plan, you have the option to see a specialist without a referral from your primary care physician. However, these types of plans do not cover out-of-network physicians, which means you will need to see an in-network provider.

Point of Service (POS)

POS plans are also a hybrid of PPO and HMO health-care plans. POS plans often have more expensive premiums than HMO plans and less expensive premiums than PPOs. With a POS plan, individuals have a primary care provider that will coordinate their care using a network that’s similar to HMO. However, they will also be able to access out-of-network providers at a higher cost just like PPOs. The HMO network is more affordable, but it requires a referral to see specialists.

High Deductible Health Plan (HDHP) and Health Savings Account (HSA)

With a high-deductible health plan, you pay less in premiums but experience higher out-of-pocket costs. HDHPs can be HMOs, PPOs, EPOs, or POSs, and the doctors that you can see will vary depending on the type of plan you have. Some high deductible health plans are HSA-compatible, which means that you can use a health savings account to help pay for your care. The money that you put into your HSA isn’t taxed and can be used tax-free on eligible medical expenses.

Throughout the years, PolicyScout™ has developed relationships with leading insurance companies to provide the best rates for consumers. We pride ourselves on putting the consumers first and delivering a new way to shop for insurance online. With our platform, consumers can compare all types of insurance types. From Medicare, Health Insurance, Life Insurance, Auto Insurance, Home Insurance and more. By using our platform, we’ll protect your data, find you savings and even help you enroll for insurance online. We didn’t invent comparing insurance. We just perfected it.

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