Compare insurance plans side-by-side to make informed decisions about your coverage options.
| Feature | HMO | PPO | EPO | HDHP |
|---|---|---|---|---|
| Monthly Premium | Lowest | Highest | Medium | Low |
| Deductible | Low | Low-Medium | Medium | High |
| Primary Care Required | Yes | No | No | No |
| Specialist Referrals | Required | Not Required | Not Required | Not Required |
| Out-of-Network Coverage | Emergency Only | Yes (Higher Cost) | Emergency Only | Yes (After Deductible) |
| Best For | Lower costs, don't mind referrals | Flexibility, existing specialists | Balanced cost and flexibility | Healthy individuals, HSA benefits |
Example: $500,000 coverage for healthy 35-year-old = ~$25-40/month
Example: $500,000 coverage for healthy 35-year-old = ~$400-600/month
✓ Often $0 premium
✓ Includes prescription drugs
✓ Extra benefits (dental, vision)
✗ Provider networks
✗ Geographic limitations
✗ Annual plan changes
Best for: Predictable costs, extra benefits
✓ No provider networks
✓ Travel anywhere in US
✓ Stable, predictable coverage
✗ Higher monthly premiums
✗ Separate Part D needed
✗ Limited extra benefits
Best for: Flexibility, travel, existing doctors
Our experts can help you compare plans and find the right coverage for your needs and budget.