Health Insurance Plan Types
HMO — Health Maintenance Organization
Requires you to choose a primary care physician who coordinates all care. Lower premiums and out-of-pocket costs in exchange for less flexibility. Must stay in-network except for emergencies.
PPO — Preferred Provider Organization
Flexibility to see any doctor without a referral. In-network care costs less but out-of-network care is covered at a reduced rate. Higher premiums than HMOs but maximum provider choice.
HDHP — High Deductible Health Plan
Lower premiums with higher deductibles. Qualifies you for a Health Savings Account (HSA) with triple tax advantages. Best for generally healthy individuals who want lower monthly costs.
Top Health Insurance Companies
Kaiser Permanente operates an integrated care model delivering consistently high member satisfaction, strong preventive care emphasis, and seamless coordination. Available in 8 states plus Washington D.C.
✅ PROS
- #1 member satisfaction nationally
- Integrated care model
- Competitive premiums
⚠️ CONS
- Only 8 states + D.C.
- Must use Kaiser providers