How Do I Choose a Plan?

Plan Types

What Is an HMO?

An HMO (Health Maintenance Organization) plan gives you personal care from a set network of doctors and hospitals.

And they give you the comfort of having an primary care provider (PCP) to oversee all your care and refer you to see specialists

What Is a PPO?

A PPO (Preferred Provider Organization) plan gives you the freedom to go out-of-network, but you will pay more than if you visit a doctor in your plan’s network.

You won't have to pick a PCP or get referrals to see specialists.

What Is a POS?

A POS (Point of Service) plan gives you personal care and the freedom to go out-of-network, but you will still pay more.

And they give you the comfort of having an in-network PCP to oversee all your care and refer you to see specialists, much like an HMO.

What Is a Short-Term Plan?

Short-term plans help you with medical costs if you change jobs, missed enrollment, or are waiting until you can begin other coverage. They're not recognized by the government though, so you could still be charged a fee for not having insurance.

What is a High Deductible Health Plan (HDHP)?

HDHP are plans where you pay higher out-of-pocket costs in exchange for a lower monthly premium.

What Is a Catastrophic Plan?

Catastrophic plans are only available to people under 30 years old who don’t have access to affordable coverage. They give you low-cost protection, but they have high out-of-pocket costs.

What Is a Health Savings Account (HSA)?

HSAs are included with some plans. They let individuals, employers, and employees set aside money tax-free for medical expenses. And these funds don't expire.


How Do I Find a Plan on the Public Marketplace?

The Affordable Care Act had each state make a Public Marketplace. Think of this marketplace as an online mall where you shop to find the perfect item, or in this case, the perfect health insurance plan. You might qualify for help paying for these plans.

Or you can buy individual and family plans directly from us.

Shopping By Cost

Plans in the Public Marketplace are put into metal levels based on the percentage of care costs the plan pays.

Bronze
60% of costs covered

Silver
70% of costs covered

Gold
80% of costs covered

  • Lower premiums mean higher out-of-pocket costs. Higher premiums mean lower out-of-pocket costs.
  • If you know you’ll need a lot of medical care or a surgery, a gold plan will cover more of those expenses.
  • If you think you won’t use your plan outside checkups, a bronze or silver plan will have lower premiums, and you'll be covered in an emergency.

What Should I Keep in Mind While Shopping?

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