Plan type affects the network of providers your health plan covers.

Exclusive Provider Organization (EPO): Only covers in-network providers.

Health Maintenance Organization (HMO): Only covers providers that work for the HMO.

Point of Service (POS): You pay less for in-network providers. Requires a referral for specialized care.

Preferred Provider Organization (PPO): You pay less for in-network providers and more for out-of-network providers.