Your choices
PPO
Everyone prefers this nationwide network, because virtually every doctor across the country will accept you. On top of that, no referral needed to see a specialist.
HMO
Restricted to your zip code or country + you need referrals.
EPO
Also restricted to your zip code or county but you don't need a referral to see a specialist.
Best places to look for coverage
Employer, Public Marketplace, Underwritten coverage, Medicaid
Employer coverage
Provided through job benefits. Usually inexpensive or free for employees, and sometimes very expensive to add family.
Undewritten Coverage
This is ideal if you’re self-employed, work for a small business or employer coverage is expensive for your family. Generally need to be fairly healthy to apply for these.
Public Marketplace
These are also known as “Obamacare” or “ACA” plans. Great for people who qualify for a subsidy or have major pre-existing conditions - otherwise, generally rather expensive.
COBRA
This is an employer plan, but with the total cost paid by you. Usually, it is a good idea to see if you can replace it with an Underwritten plan, as COBRA is typically very costly.
Multi Plans
These are not obligated to pay your bills, and are not insurance with an attractive “0 dollar deductible”. I don’t recommend them unless it's absolutely the only thing that's affordable (they’re sometimes inexpensive).
Short Term Plans
These are great if you have a coverage gap between employer plans of one month or less. Often marketed somewhat deceptively - you’re probably getting calls about these.
Medishare
These specifically usually say "Not real insurance" so buy at your own risk, they do not have a legal responsibility to pay for your claims due to no true max out of pocket.
5 Pillars
Coverage Needed
Let's find plans for the entire family to help cover serious medical emergencies! We'll help you save on doctor visits, low-cost prescription medication and preventative health services.
Meet your Licensed Health Insurance Expert Anthony Edwards
"I'm working tirelessly to stay informed about the latest changes in the healthcare markets. More than happy to provide you information on what your market has available right now and any expected changes."