HMO Health Insurance
This type of insurance requires a primary care doctor’s approval in order to see a specialist. Although HMO health insurance is the most restrictive; it usually has the lowest co-pays for Doctors visits, hospital stays, and surgery.

PPO Health Insurance
PPO’s allow you to see any network doctor without a referral from a Primary care physician. You can also go out of network if you choose and pay a little bit more. PPO’s offer you the greatest freedom of choice.

Health Savings Accounts
As of January 1, 2003 all United States taxpayers under the age of 65 can purchase a high deductible health insurance policy and then fund that deductible in a tax-free savings account. You can fund up to 100% of your deductible and any unused monies roll over to the next year. This combination could save you hundreds of dollars per year on your health insurance costs.

Short Term Medical Insurance
These types of plans offer you coverage for a set period of time usually one to six months. Perfect for those between jobs or waiting to get benefits from their current employer.