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Health, life, and Medicare plans — laid out side-by-side so you can make an informed decision about your coverage options. And when the fine print gets thick, a licensed expert compares it with you, free.
Those four letters decide your premium, your deductible, and whether you need a referral to see a specialist. Here's how the plan types stack up, feature by feature.
| Feature | HMO Health Maintenance Org. | PPO Preferred Provider Org. | EPO Exclusive Provider Org. | HDHP High-Deductible + HSA |
|---|---|---|---|---|
| Monthly Premium | Lowest | Highest | Medium | Low |
| Deductible | Low | Low–Medium | Medium | High |
| Primary Care Required | Yes | No | No | No |
| Specialist Referrals | Required | Not required | Not required | Not required |
| Out-of-Network Coverage | Emergency only | Yes (higher cost) | Emergency only | Yes (after deductible) |
| Best For | Lower costs; you don't mind referrals | Flexibility; keeping existing specialists | Balanced cost and flexibility | Healthy individuals; HSA tax benefits |
← Swipe to see all four plan types →
Same goal — protecting your family — but very different price tags and timelines. Here's the honest side-by-side, with real ballpark numbers.
Example: $500,000 of coverage for a healthy 35-year-old runs roughly $25–$40/month.
Example: $500,000 of coverage for a healthy 35-year-old runs roughly $400–$600/month.
This is the single biggest fork in the Medicare road — and there's no one right answer. Here's what you trade either way.
Best for: predictable costs and extra benefits.
Best for: flexibility, travel, and keeping your existing doctors.
Our experts compare plans against your medications, doctors, and budget — and help you find the right coverage for your needs. Free, with zero obligation.
Whichever line of coverage you're shopping, the same checklist keeps you out of trouble. And here's exactly what you can hold us to.
— Raymond Arce, iCoach Solutions
We'll put your real options side-by-side — costs, networks, prescriptions, fine print — and help you choose the coverage that truly fits. No pressure, no cost, in English or Español.
