How Many Types Of Health Insurance Are There? 
The most common types of health insurance are HMO 's -LRB- Health Maintenance Organizations -RRB- and PPO 's -LRB- Preferred Provider Networks -RRB- . With HMO 's , you have a primary doctor who refers you to specialists . Also , you must receive your care within the network except in emergencies . With PPO 's , you can go directly to specialists . You can go outside of your network and still receive a benefit , but you receive more benefit if you stay within the network . There are also EPO 's -LRB- Exclusive Provider Networks -RRB- , which are basically like an HMO , except you can go directly to a specialist without a referral . 