Health insurance

2. , A contract that requires your health insurer to pay some or all of your health care costs in exchange for a premium.
4. , shares some features of an HMO and a PPO. You can choose a primary care provider from the plan’s network. But you can also go out of network to seek care, either by choice or out of necessity. You may also need to choose a primary care provider and get referrals for care.
5. , allows you to get healthcare services from an approved network of providers. Out-of-network care typically isn’t covered unless it’s an emergency.
6. , is a type of managed care plan similar to HMO and PPO plans in certain regards. You’re only covered when you see in-network providers. However, you don’t have to choose a primary care provider, and you don’t need a referral to see a specialist.

1. , allows you to visit out-of-network providers, but you save the most when staying in network. You don’t have to choose a primary care provider and may not need a referral to see a specialist if you’re going out of network.
3. , federal health insurance for people 65 or older, some younger people with disabilities, people with End-Stage Renal Disease.