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Plan Types

There are different types of health insurance plans offered through MNsure that are designed to meet different needs. Depending what is offered in your area, you may find plans of all or any of the types listed below in each metal category.

Learning the difference between plan types offered on the various provider networks can help you compare plans to find the right coverage for you and your family.

  • Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists or hospitals in the plan's network (except in an emergency).

  • Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.

  • Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals and other health care providers that belong to the plan's network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.

  • Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan's network. You can use doctors, hospitals and other health care providers outside of the network without a referral for an additional cost.

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