There are plenty of individual health insurance plans to choose from. Here are the most common types:
- HMOs (Health Maintenance Organization). HMOs are one of the most affordable health plans available — and they offer comprehensive coverage. HMOs create networks of doctors, hospitals, clinics, specialists, and other care providers. Most HMO networks consist of thousands of health care professionals, ensuring you'll have convenient access to medical care when you need it.
- PPOs (Preferred Provider Organization) . The PPO is an affordable individual health insurance plan with an added benefit — you'll have coverage with any health care provider. That means you can see any doctor or specialist you want, and your plan will cover the care. The PPO is great for flexible, comprehensive, and affordable health care.
- Health Savings Account (HSA) Plans. There are 2 parts to HSA coverage: a high-deductible plan and a Health Savings Account. The high-deductible plan provides catastrophic coverage and features low monthly premiums. The HSA is a tax-free savings account where you save money to pay for routine medical expenses.
- Fee For Service (FFS) Plans. The FFS plan is the traditional form of individual health insurance. It works very simply — you get the care you need, then you're reimbursed for a percentage of the cost.
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