PPO (Preferred Provider Organization)
Let’s employees see any doctor or specialist without referrals, with in- and out-of-network coverage. Premiums are higher, but flexibility is unmatched.
Best for companies: who want to offer premium, flexible benefits.
Best for employees: who travel often or want maximum choice in providers.

HMO (Health Maintenance Organization)
Requires choosing a primary care doctor and referrals for specialists, with coverage only in-network. Costs are typically the lowest.
Best for companies: that want budget-friendly benefits with predictable costs.
Best for employees: who don’t mind staying in-network and want lower premiums.

EPO (Exclusive Provider Organization)
Similar to a PPO but without out-of-network coverage, keeping premiums lower. Referrals usually aren’t required.
Best for companies: balancing affordability and decent flexibility.
Best for employees: who are fine staying in-network but don’t want referral hassles.

POS (Point of Service Plan)
Blends features of PPO and HMO—employees need a primary doctor and referrals, but some out-of-network coverage is included. Costs are moderate compared to PPOs.
Best for companies: looking for a middle ground option.
Best for employees: who want some out-of-network flexibility without the cost of a PPO.

HDHP (High Deductible Health Plan)
Offers the lowest monthly premiums but requires paying more out-of-pocket before coverage begins. Often paired with an HSA for tax-free savings.
Best for companies: with younger or healthier workforces wanting to keep premiums low.
Best for employees: who rarely use healthcare and want to save money in an HSA.