Health Plans: Choosing the Right Fit

HMOs, PPOs, POSs, major medical, fee-for-service, and MSAs - these are the various health plans to choose from and each differ in cost, coverage, and care.

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The differences in health plans

Health plans fall into two basic categories:

  • managed-care health plans

  • indemnity health plans.

Managed care health plans focus on prevention and often cost less. Indemnity or fee-for-service health plans offer more comprehensive coverage but carry a higher price tag.

Managed health care plans include HMOs PPOs and POSs

MSA health plans or medical savings account plans offer a way of making your health insurance affordable.

What do health plans cover?

Indemnity insurance emphasizes comprehensive medical treatment and allows more freedom to choose your care giver.

Managed care focuses on preventative medical care and limits your choices of care givers.

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Which health plans are the best fit?

There is not one answer. Your health care needs and your budget determines which type of health plan is the best for you. For help, check out our page on affordable health insurance. Or jump to the end and get free online health insurance quotes.


Next: Fee-for-service plans.

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