Individual Health

There are several types of individual health insurance plans available, including:

• Health Maintenance Organizations (HMOs): HMOs typically offer lower premiums but have a more limited network of providers. You’ll usually need to choose a primary care physician (PCP) and get referrals from your PCP to see specialists.
• Preferred Provider Organizations (PPOs): PPOs offer more flexibility in choosing providers, but they typically have higher premiums. You can see doctors and hospitals outside the plan’s network, but you’ll usually pay more for those services.
• Exclusive Provider Organizations (EPOs): EPOs are similar to HMOs, but they don’t require referrals to see specialists. However, you’ll typically have to stay within the plan’s network for coverage.
• High-Deductible Health Plans (HDHPs): HDHPs have lower premiums but higher deductibles. They’re often paired with a Health Savings Account (HSA), which allows you to save pre-tax money for healthcare expenses.