Find Affordable Health Insurance Options Saving You Money

There are several types of health insurance plans that you can consider:

• Health Maintenance Organization (HMO): HMOs offer lower premiums and out-of-pocket costs but require you to use a network of doctors and hospitals. You need a referral from your primary care physician to see a specialist.
• Preferred Provider Organization (PPO): PPOs offer more flexibility in choosing healthcare providers and do not require referrals. While premiums are generally higher, you have the option to see out-of-network doctors at a higher cost.
• Exclusive Provider Organization (EPO): EPOs combine elements of HMOs and PPOs, offering lower premiums but limited provider networks. You can see specialists without referrals, but only within the network.
• High-Deductible Health Plans (HDHP): HDHPs have lower premiums but higher deductibles. They are often paired with Health Savings Accounts (HSAs) to help cover out-of-pocket expenses.