When shopping for a health plan, it is important to understand the differences between the types of health plans to select the one that best fits your needs.

There are 3 types of health plans offered on the Covered California health exchange:

  • HMO
  • EPO
  • PPO

The difference between these plans primarily comes down to the flexibility to choose providers when you need medical care.

Plan feature HMO EPO PPO
Need to designate a primary care physician? Yes No No
Need a referral to see a specialist? Yes No No
Is there an out of network benefit? No No Yes
Level of flexibility Low Medium High