🏥 Comprehensive Guide — 2025 Edition
Health Insurance 101
What It Covers, How to Choose & Why You Need It
Medical care is expensive — a single emergency visit can cost thousands. This guide explains how insurance protects you financially.
Types of Health Insurance Plans
HMO
- Primary doctor required
- Referral needed
- Lowest premium
PPO
- No referral needed
- Out of network allowed
- Higher premium
EPO
- No out of network
- No referral required
POS
- Hybrid plan
- Requires PCP