Skip to content

Health Care Reform:

Health Insurance & Affordable Care Act

4 Types of Health Plans: How They Compare

High-Deductible Health Plan With or Without a Health Savings Account continued...

W hat doctors you can see . This varies depending on the type of plan -- HMO, POS, or PPO

What you pay.

  • Premium: An HDHP has the lowest premium compared to other plans.
  • Deductible: The deductible is high – between $1,250 and $6,350 for one person or between $2,500 and $12,700 for a family. Like with HMOs and PPOs,  your preventive care is free, even if you haven't met the deductible.
  • Copays or coinsurance:  The kind of health plan you have -- HMO, POS, or PPO -- determines which one you pay.

With an HDHP, your out-of-pocket spending is capped. For instance, if you have insurance only for yourself, the most you have to spend in a year is about $6,350, not including premiums. If your insurance plan is for your family, the most you have to pay in a year is about $12,700 without premiums. The totals include your deductible. If you reach this amount, the HDHP pays 100% of your care If you reach this amount, the HDHP pays 100% of your care.

Paperwork involved.  The amount of paperwork varies, depending on whether you get care from a PPO, HMO, or POS plan. Keep all your receipts so you know when you've met your deductible.

WebMD Medical Reference

Your Costs

See insurance premium
costs and financial aid.

Start Here

Health Insurance

Find a plan that's right
for you.

Start Here

Your State's Insurance Marketplace

Get informed about plans, benefits and costs.

From WebMD
Loading …
URAC: Accredited Health Web Site TRUSTe online privacy certification HONcode Seal AdChoices