Plan types
Health-sharing ministry
A faith-based cost-sharing program where members contribute monthly amounts that are shared to cover other members' eligible medical bills. Not insurance; not regulated as such. Coverage is contractually voluntary, and pre-existing conditions may not be covered. Buyer beware.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
More in Plan types
HMO (Health Maintenance Organization)
In-network only with PCP referrals. Lowest premiums.
PPO (Preferred Provider Organization)
See any provider, no referrals. Broadest networks.
EPO (Exclusive Provider Organization)
In-network only, but no referrals required.
POS (Point of Service)
Hybrid HMO/PPO. Requires PCP but covers some out-of-network.
HDHP (High-Deductible Health Plan)
Higher deductible, lower premium. Pairs with an HSA.
Catastrophic plan
Low-premium ACA plan for under-30s or hardship-exempt.
Have a benefits question?
Ask a benefits advisor.
Jesse reads every contact submission personally. If your question is straightforward, you'll get a written reply. If it needs a call, we'll set one up.