PPO (Preferred Provider Organization): PPO plans offer a larger network of providers and give you the flexibility to see any doctor or specialist you want, whether they’re in-network or out-of-network. However, seeing out-of-network providers will likely cost more. PPO plans usually have higher premiums and are commonly paired with a deductible.

HMO (Health Maintenance Organization): HMO plans typically require you to choose a primary care physician (PCP) within the HMO network. This PCP will refer you to other network providers as needed. HMO plans often have lower premiums due to the defined network, which can help control costs.

EPO (Exclusive Provider Organization): EPO plans generally let you see any network provider you choose, without the need for a PCP or referrals to see a specialist1. These plans do not offer out-of-network benefits, except in an emergency. EPO plans are usually more pocket-friendly than PPO plans.

NO! You don’t have to wait for the open enrollment period to secure a health insurance policy. A licensed agent can help you navigate the process and get a policy issued at any time of the year. This means you have the flexibility to explore and choose a plan that best fits your needs, regardless of the season. Remember, it’s never too early or too late to invest in your health.

Health insurance is not a one-size-fits-all solution. Whether you're super healthy or dealing with health challenges, whether you're an individual, a family, or a business, whether you're on a tight budget or have more financial flexibility, you can qualify for a health insurance policy. At the Health Exchange, we understand that everyone's needs are unique. That's why we offer the ability to tailor a policy to your specific needs and circumstances. Our goal is to provide you with personalized health coverage that gives you peace of mind and supports your well-being.

COPAY- is a set amount you pay when you get a medical service. It’s part of your health insurance plan.

DEDUCTIBLE- is the amount you pay for your healthcare services before your health insurance starts to pay. For example, if your deductible is $500, you’ll pay the first $500 of your healthcare costs yourself.

OUT-OF-POCKET MAX- is the most you have to pay for covered healthcare services in a year. Once you’ve spent this amount on deductibles, copayments, and coinsurance for in-network care and services, your health insurer will pay 100% of your healthcare costs. This helps you control your healthcare costs, as you know the maximum you will ever have to pay in a year.