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There are four choices when it comes to choosing your health plan. Each one has different levels of flexibility and price on the Marketplace.
Health Maintenance Organization (HMO). They offer lower prices but they do require that you see a certain set of specialists as well as be referred for care. On average, Silver HMOs have a monthly cost of $473.
Exclusive Provider Organization (EPO): EPOs are somewhere between HMO and PPO. They require you to utilize your health insurance’s network of providers. But, they typically do not require the referral of specialists. EPO Silver plans cost $508 per month.
Preferred Provider Organizations (PPOs) They typically cost more than HMOs and also have bigger provider networks, PPOs could offer lower costs. For covered services, you do not have to ask for to be referred. The Marketplace’s Silver PPO plans include an average cost of $517.
Point of service (POS): These plans have the highest flexibility, however they are higher priced. You can get medical care outside of the health plan’s provider network, though you’ll likely pay more. The monthly cost for POS Si
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