Plan types
PPO (Preferred Provider Organization)
A health plan that lets you see any provider — in-network or out-of-network — without referrals. In-network care is cheaper; out-of-network costs more. PPOs typically have higher premiums than HMOs but offer the most flexibility, making them popular with people who travel, have established specialists, or want broad provider choice.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
Related terms
HMO (Health Maintenance Organization)
In-network only with PCP referrals. Lowest premiums.
Read definitionEPO (Exclusive Provider Organization)
In-network only, but no referrals required.
Read definitionHDHP (High-Deductible Health Plan)
Higher deductible, lower premium. Pairs with an HSA.
Read definitionIn-network
Providers contracted with your insurer at negotiated rates.
Read definitionMore in Plan types
HMO (Health Maintenance Organization)
In-network only with PCP referrals. Lowest premiums.
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.
Short-term medical
Bridge coverage. NOT ACA-compliant.
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