There are various health insurance plans to choose from, such as an HMO, EPO, and PPO. Here is what these plans offer: Health Maintenance Organization (HMO) - This plan requires you to visit a specific healthcare provider and a primary care physician (PCP) to refer you to a specialist, except in emergency cases. Exclusive Provider Organization (EPO) - You are not required to have a referral from your PCP to see a specialist under this plan. However, the providers you choose must be contracted within a specific network. Preferred Provider Organization (PPO) - For maximum flexibility, this plan allows you to see both PCPs within a network and outside the network for an additional cost.