HMO Health Insurance
Requires a referral from a primary care doctor in order to see a specialist. Although HMOs offer no out of network benefits they normally have the lowest cost.

Open Access HMO Insurance
Just like an hmo except that no referral is required for specialist care. Subscribers can use any network doctor for one low co-pay.

POS Health Insurance
A point of Service plan is just like an open access HMO except it will include out of network benefits which are paid at a much higher co-pay.

PPO Health Insurance
A ppo health plan allows subscribers to use any network doctor available anywhere in the country and it will have out of network benefits as will. PPOs are the least restrictive form of health insurance.

Health Savings accounts
A health savings account allows employees to choose a high deductible health insurance policy and then fund that deductible in a tax-free savings account. They can fund up to 100% of the deductible each year and any unused monies roll over. This combination can save employers and employees hundreds of dollars per year in premiums and taxes.