Health Maintenance Organization (HMO) Plans:
HMO plans provide coverage through a network of healthcare providers. These plans often require a primary care physician referral for specialist services and focus on preventive care.

Preferred Provider Organization (PPO) Plans:
PPO plans offer more flexibility when choosing healthcare providers. You can see specialists without referrals and receive coverage for out-of-network services, although at a higher cost.

Exclusive Provider Organization (EPO) Plans:
EPO plans combine the features of HMO and PPO plans. They offer a network of providers without the need for referrals, but do not cover out-of-network care except in emergencies.

Point of Service (POS) Plans:
POS plans blend elements of HMO and PPO plans. You choose a primary care physician and need referrals for specialists, but can see out-of-network providers at a higher cost.