There are different types of health insurance plans offered through MNsure 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 level.
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. Plan features may change from year to year, like network, deductibles and co-pays. Be sure to review the summary of benefits and coverage (SBC) for your plan if you are a renewing customer. SBCs for all plans offered on MNsure can be found using our plan comparison tool. If you have specific questions about your plan, contact your insurance company.
Exclusive Provider Organization (EPO): A plan that only covers health services if you use doctors, specialists or hospitals in the plan's network (except in an emergency).
Health Maintenance Organization (HMO): A plan that usually coordinates health services within a specific provider network. Some HMOs require that you choose a primary care provider, and don’t cover health services out-of-network (except in an emergency), while others are more flexible. 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 plan that includes a network of health care providers with which a health insurer has negotiated contracts to receive health services at discounted costs. Patients have financial incentives to select providers within the PPO network.