HMO
Lower cost, PCP referrals required, in‑network focus.
Find Health Insurance by State—Compare HMO, PPO, EPO & HDHP
Check plan types, typical costs, and enrollment basics. Independent and ad‑supported—we don’t sell your data.
Open Enrollment
Special Enrollment
Subsidies & Credits
HSA & HDHP
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Start with Your Situation
Individual Plans
Options for self‑employed and freelancers.
Family Plans
How to balance premiums and out‑of‑pocket costs.
Medicare
Parts A–D and Medigap explained.
Medicaid
Eligibility varies by state and income.
Subsidies
Premium tax credits & CSR basics.
Reduce Premiums
Metal tiers, deductibles, HSAs, networks.
Compare Health Plan Types
PPO
More flexibility, no referrals, higher premiums.
EPO
No referrals; in‑network only (except emergencies).
Health Insurance by State
See marketplaces, subsidies, and plan notes where you live.
CaliforniaCovered California basics
TexasMarketplace & private options
FloridaEnrollment windows
New YorkNY State of Health
PennsylvaniaPennie marketplace
GeorgiaMarketplace changes
IllinoisPlan metal tiers
OhioNetwork tips
WashingtonPublic option notes
ArizonaDeductible ranges
MassachusettsConnector basics
New JerseyState subsidies
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Guides & Articles
Open Enrollment vs Special Enrollment
Who qualifies and what documents you may need.
HMO vs PPO: Which Fits?
Tradeoffs in flexibility, referrals, and premiums.
Ways to Lower Your Premium
Metal tiers, deductibles, HSAs, and network choices.
Provider Highlights
Provider A
Large national PPO network; good for travelers.
Large national PPO network; good for travelers.
Provider B
HMO focus with strong primary care coordination.
HMO focus with strong primary care coordination.
Provider C
Competitive HDHP options compatible with HSAs.
Competitive HDHP options compatible with HSAs.
Provider D
Affordable silver plans; broad telehealth.
Affordable silver plans; broad telehealth.
Educational overview only—see more providers.
Get Covered in 3 Steps
1) Enter ZIP
See plans available in your area.
See plans available in your area.
2) Compare Options
Check premiums, deductibles, and networks.
Check premiums, deductibles, and networks.
3) Apply
Proceed during open enrollment or with a qualifying event.
Proceed during open enrollment or with a qualifying event.
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Health Insurance FAQs
What’s the difference between HMO and PPO?
HMOs usually require referrals and stick to in‑network care, keeping costs lower. PPOs allow more flexibility and out‑of‑network care at higher costs.
When can I enroll?
Most people enroll during annual open enrollment. You may qualify for a special enrollment period if you have a qualifying life event.
How can I lower my premium?
Consider higher deductibles, evaluate HSA‑eligible HDHPs, and check eligibility for subsidies or state tax credits.