A health plan is another name for a health insurance policy. One insurance company generally offers many different types of plans. For instance, an insurance company like Aetna, Blue Cross, Cigna, Kaiser, or United might offer plans with different levels of access to healthcare providers, such as an HMO or PPO. They may offer plans with different levels of coverage, which are represented by terms such as bronze, silver or gold-level plans. Sometimes the plans are given names to distinguish them from one another, like “Access” or “Advantage.” It’s important to understand the terms health insurers use to describe their policies, and what that means for your coverage.