Plan Comparison Tool
HMO vs. PPO vs. EPO, side by side
A quick look at how the main individual and family plan structures differ — use this alongside the Plan Matcher to narrow your choice.
| Feature | HMO | PPO | EPO |
|---|---|---|---|
| Monthly premium | Lowest | Highest | Mid-range |
| Primary care referral needed | Yes | No | No |
| Out-of-network coverage | None (except emergencies) | Yes, at higher cost | None (except emergencies) |
| Provider network size | Smaller, local | Larger, flexible | Mid-sized |
| Best for | Budget-conscious, stable care needs | Flexibility, seeing specialists directly | Balance of cost and some flexibility |
