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 https://www.coveragebyinsurance.com/ 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).