Health Insurance Basics | PPO vs EPO vs HMO

Health insurance basics explained! PPO vs. EPO vs. HMO - what’s the difference? Which costs more?

With healthcare costs projected to rise at an annual rate of about 5.5% through 2027, it’s important to understand if your current health insurance is indeed right for you or whether you should be switching to a different health plan at the next open enrollment period, which typically starts in November.

This video will help you answer the following questions:
✅ What is a PPO (Preferred Provider Organization)?
✅ What is an EPO (Exclusive Provider Organization)?
✅ What is an HMO (Health Maintenance Organization)?
✅ What are the pros and cons of each health insurance plan?
✅ Is a PPO vs EPO vs HMO best suited for you & your family?

0:00 Intro
2:10 What's the difference between a PPO vs HMO vs EPO
7:37 How to choose between a PPO vs EPO vs HMO

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[jeffreym]

Thanks much for differentiating the options. I appreciated the value of an HMO and its PCP requirement for its social value of minimizing cost over convenience or luxury--choice.

[doitlikeamacho]

It was informative Jennifer, thank you.

[Star_Link]

Jennifer! I started watching you before buying iBonds (great vids) but now I have a health insurance question. I have an HMO but my child received a HMO referral from a pediatric dentist; however, she wants to use a PPO pediatric dentist. Any way around it given we have a referral? Help!!’

[vivisimonvi]

How do you feel about health insurance brokers? One approached me at my workplace and has set me up via the Marketplace for the last couple of years. I think it's strange that I don't pay any fees for this service but I also don't make a lot of money and qualify for low to no cost plans.