Health Insurance Plans Comparison: Find Best Coverage 2025
Navigating health insurance can be overwhelming. This comprehensive guide breaks down plan types, costs, and helps you find the best coverage for your needs.
Types of Health Insurance Plans
HMO (Health Maintenance Organization)
- Lower premiums and out-of-pocket costs
- Must choose primary care physician
- Need referrals for specialists
- No out-of-network coverage (except emergencies)
PPO (Preferred Provider Organization)
- Higher premiums but more flexibility
- No referrals needed for specialists
- Out-of-network coverage available
- Higher out-of-network costs
EPO (Exclusive Provider Organization)
- No referrals needed
- No out-of-network coverage
- Mid-range premiums
HDHP with HSA
- High deductible, lower premiums
- Health Savings Account for tax benefits
- Employer often contributes to HSA
- Best for healthy individuals
Top Health Insurance Companies 2025
- UnitedHealthcare: Largest network, excellent digital tools
- Blue Cross Blue Shield: Available nationwide
- Kaiser Permanente: Top customer satisfaction
- Aetna: CVS Health integration
- Cigna: Strong international coverage
Understanding Health Insurance Costs
| Term | Meaning | Example |
|---|---|---|
| Premium | Monthly payment | $400/month |
| Deductible | Amount you pay before insurance | $2,000/year |
| Copay | Fixed fee for services | $30 doctor visit |
| Coinsurance | Percentage you pay | 20% after deductible |
| Out-of-pocket max | Maximum you pay yearly | $8,000 |
Medicare 2025 Updates
- $2,000 annual prescription cap (Part D)
- Expanded telehealth coverage
- Free preventive services
- New insulin price cap
