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Types of Health Insurance Plans

When it comes to health insurance, there are several types of plans to consider. The most common types include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPOs), and Point of Service (POS) plans. HMOs generally offer lower premiums and require members to choose a primary care physician and get referrals for specialists. PPOs provide more flexibility in choosing healthcare providers and do not require referrals, but they often come with higher premiums. EPOs are similar to PPOs but do not cover out-of-network care. POS plans combine features of HMOs and PPOs, offering more choices while still requiring referrals for specialist care.