There are several types of health insurance plans available, including HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), EPO (Exclusive Provider Organization), and POS (Point of Service) plans. Each type has different features, networks, and costs.

An HMO plan is a type of health insurance plan that requires you to choose a primary care physician (PCP) who will coordinate your healthcare. You will need a referral from your PCP to see a specialist, and you must receive care from providers within the HMO network.

A PPO plan is a type of health insurance plan that offers more flexibility in choosing healthcare providers. You can see any doctor or specialist without a referral, but you will pay less if you choose a provider within the PPO network.

An EPO plan is a type of health insurance plan that combines features of both HMO and PPO plans. Like an HMO, you need to choose a primary care physician, and you must receive care from providers within the EPO network. However, like a PPO, you do not need a referral to see a specialist.

A POS plan is a type of health insurance plan that combines features of both HMO and PPO plans. You can choose a primary care physician within the POS network, and you can see specialists within or outside the network. If you go out of network, you may need to pay higher out-of-pocket costs.