Education & Resources
Understanding Your Coverage Options
Not all health insurance is created equal. Here's an honest breakdown of the most common plan types — so you can make the right choice for your situation.
Employer Coverage
Provided through job benefits. Usually inexpensive or free for employees, and sometimes very expensive to add family.
Underwritten Coverage
This is ideal if you're self-employed, work for a small business, or employer coverage is expensive for you and your family. Generally, you need to be fairly healthy to apply for these.
COBRA Coverage
This is an employer plan, but with the total cost paid by you. Usually, it's a good idea to see if you can replace it with an Underwritten plan, as COBRA is typically very costly.
Medical Sharing / Multi Plans
These are not obligated to pay your bills and are not insurance — despite the attractive "$0 deductible" marketing. I don't recommend them unless it's absolutely the only thing that's affordable.
They're sometimes inexpensive, but coverage is not guaranteed.
Short Term Plans
These are great if you have a coverage gap between employer plans of one month or less. Often marketed somewhat deceptively — you're probably getting calls about these.
ACA Plans
Also known as "Obamacare" or "Marketplace" plans. Great for people who qualify for a subsidy or have major pre-existing conditions — otherwise, generally rather expensive. They can be found on Healthsherpa.com.
Plan Type Guide
PPO vs. HMO vs. EPO — What's the Difference?
These three network types show up across most plan categories. Understanding them helps you choose coverage that actually fits how you use healthcare.
Preferred Provider Organization
See any doctor — in-network or out — without a referral. You pay less when you stay in-network, but you're never locked in. Best for people who want maximum freedom or have existing specialist relationships.
- ✓ No referrals needed
- ✓ Out-of-network coverage included
- – Higher premiums than HMO/EPO
Health Maintenance Organization
Choose a primary care physician (PCP) who coordinates all your care and provides referrals to specialists. You must stay in-network except in emergencies. Lower premiums make this a strong choice for healthy individuals who rarely need specialists.
- ✓ Lowest monthly premiums
- ✓ Coordinated, managed care
- – Requires PCP referrals for specialists
Exclusive Provider Organization
Like a PPO without the out-of-network benefit — you see specialists directly without a referral, but only within the network. Premiums sit between HMO and PPO. A solid pick if you want specialist access without the cost of a PPO.
- ✓ No referrals needed
- ✓ Lower premiums than PPO
- – No out-of-network coverage
Not Sure Which Plan Is Right for You?
Every situation is different. I'll walk you through your options at no cost — no pressure, no obligation.
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