A Preferred Provider Plan (PPO) will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

POS plans combine features of HMOs and PPOs. Most Point of Service Plans (POS) plans require members to choose a primary care physician from within the POS network, but allow them to use out-of-network specialists with a referral from a primary care physician. Co-payments will be higher for out-of-network services.

A Health Savings Account Plan (HSA) works by tying a tax-advantaged bank account to certain high-deductible health plans. It allows you to use tax free dollars to pay for allowable health expenses, such as copays, prescription drug costs and more.

Per rules of the Affordable Care Act, most insurers include wellness benefits in their comprehensive coverage, designed to improve lives and keep members healthy.  Your plan from the Marketplace will generally include services like preventative screenings, free or discounted gym memberships, diet advice, disease management, telehealth, and much more.