Published: 2026-08-15
This article provides general information for reference purposes only and does not constitute professional legal, tax, medical, or financial advice. Rules and programs may change. Always verify current details with official sources or consult a qualified professional.
What types of health insurance plans are available?
Common health insurance plan types include HMO, PPO, EPO, and POS plans. HMO plans require you to choose a primary care physician and get referrals. PPO plans offer more flexibility to see specialists without referrals. EPO plans combine features of both. Each has different costs and coverage.
How do I choose the right plan?
Consider your health needs, budget, and preferred doctors. Compare premiums, deductibles, copays, and out-of-pocket maximums. Check whether your doctors are in-network. Use the Health Insurance Marketplace to compare plans and see if you qualify for subsidies.
When can I enroll?
Open Enrollment for 2026 coverage typically runs from November to mid-January. You can also enroll outside this period if you have a qualifying life event, such as marriage, birth of a child, or loss of other coverage.