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There are three basic types of managed care health insurance plans: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point of Service (POS). Our Resources page provides an overview of these different health plans to help you decide which type best fits your needs.

It's important that you consider more than just the monthly premium when evaluating whether to purchase a health insurance plan. Some of the key questions you need to ask include:

What hospitals and doctors are included in the network?

Is there a deductible and are any co-payments required?

Do you have to coordinate care through a primary care physician?

What is your cost if you choose to seek care from providers outside the network?

How is emergency care handled?

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