These letters describe how a plan handles doctors and networks. A PPO (Preferred Provider Organization) gives you the most flexibility. You can see specialists without a referral and you have some coverage for out-of-network care, though you pay less when you stay in network. PPOs usually cost more each month in exchange for that freedom.

An EPO (Exclusive Provider Organization) is similar to a PPO in that you often do not need referrals, but it generally covers in-network care only, except in emergencies. Premiums tend to be lower than a comparable PPO. An HMO (Health Maintenance Organization) usually asks you to choose a primary care doctor and get referrals to see specialists, and it covers in-network care only. HMOs are often the most affordable but the least flexible.

The right choice depends on which doctors and hospitals you want to keep, whether you travel, and how you balance monthly cost against flexibility. We check that your providers are in network before you enroll, so there are no surprises after your plan starts.