Compare ACA plans, PPOs, HMOs and more from top US carriers. Get unbiased guidance and coverage that fits your budget.
Each plan type works differently — understanding them helps you pick the right fit for your budget and needs.
Maximum flexibility — see any doctor without a referral, in or out of network.
Lower premiums and copays — must stay in-network for all non-emergency care.
Government marketplace plans with income-based subsidies available.
Lowest premiums paired with a tax-free Health Savings Account.
Like a PPO without out-of-network coverage — a balanced, affordable option.
Fill coverage gaps fast. Very affordable but not ACA-compliant.
Estimate your monthly premium and check if you qualify for ACA subsidies — instantly.
* Estimates only. Actual premiums vary by insurer, ZIP and health. Get a precise quote →
Know these 6 terms and you can compare any US health plan with confidence.
Your monthly payment to keep coverage active. Lower premiums usually mean higher deductibles.
Amount you pay before insurance kicks in. A $3,000 deductible = you cover the first $3,000 of care per year.
Copay = fixed fee per visit (e.g. $25). Coinsurance = your % share after deductible (e.g. 20%).
Most you’ll pay in a year. Once hit, insurance covers 100% of covered care for the rest of the year.
In-network providers have negotiated rates — always verify before scheduling an appointment.
All ACA plans must cover: ER care, maternity, mental health, prescriptions, preventive care and more.
| Feature | HMO | PPO | EPO | HDHP |
|---|---|---|---|---|
| Monthly Premium | Low | High | Medium | Lowest |
| Referral Needed | Yes | No | No | Varies |
| Out-of-Network | None | Yes | ER Only | Varies |
| HSA Compatible | No | No | No | Yes |
| Best For | Budget savers | Max flexibility | Mid-range | Healthy savers |
Quick answers to the most common health insurance questions from Americans.
Compare quotes from top US carriers — free, fast and completely unbiased. Our licensed advisors are ready to help.