Medical costs keep rising, so picking the right health insurance matters. Here’s a quick guide to plans, networks, and cost factors in 2025.

Plan Types

• HMO: Lower cost, referrals needed
• PPO: More flexibility, higher premiums
• EPO: In-network only, no referrals
• HDHP + HSA: Lower premium, higher deductible; tax-advantaged savings

What to Compare

• Premiums, deductibles, co-pays
• Provider network and hospital access
• Prescription coverage and prior authorization rules
• Telehealth and wellness benefits

Saving on Premiums

• Use employer subsidies or marketplace credits where eligible
• Choose generic medications
• Consider an HSA for tax savings

Bottom Line

The best plan balances total cost with network quality. Compare at least three options and check your doctors are in-network.

Disclaimer: Benefits and eligibility vary by location and provider. Verify with insurers.