An HMO plan provides services through a network of doctors and hospitals, while a PPO plan offers more flexibility by allowing you to see any doctor, although it's cheaper if you use in-network providers. EPO plans are similar to PPOs but do not cover out-of-network care except in emergencies. The main types of health insurance plans in the United States include HMO, PPO, EPO, POS, and HDHP. POS plans combine features of both HMO and PPO, letting you choose between in-network or out-of-network providers. HDHPs have higher deductibles and lower premiums and are often paired with Health Savings Accounts (HSAs).