Health Insurance Coverage Designed Around Your Life
Explore ACA Marketplace plans, small business group benefits, Medicare Advantage, and supplemental care from top-rated US carriers at no cost to you.
Small Business Health Insurance
Cost-Effective Group Health Plans Designed for 1–50 Employees with Maximum Tax Savings.
Empower your team and recruit top industry talent with comprehensive small business health plans. Explore SHOP Marketplace tax cre...
HMO vs. PPO vs. EPO: Which is Right For You?
Understanding network types ensures you keep your preferred doctors and stay within your medical budget.
Health Maintenance Organization
Best for individuals and families wanting low premiums and low copays with a dedicated primary care coordinator.
- Lowest monthly premiums
- Low copays for primary care
- Requires primary doctor referrals
- No out-of-network coverage (except emergencies)
Preferred Provider Organization
Best for those with trusted specialists, frequent travelers, or those wanting direct access without referrals.
- No referrals needed for specialists
- Partial out-of-network coverage
- Nationwide provider freedom
- Moderately higher monthly premiums
Exclusive Provider Organization
The hybrid choice: enjoy specialist visits without referrals, but stay within the designated provider network.
- No referrals needed to see in-network doctors
- Lower premiums than standard PPO
- No out-of-network coverage
- Wide local hospital systems included
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