High-deductible health plans (HDHPs) offer small-business employees preventive coverage for an affordable premium.
For employees of small businesses who don’t want to pay a high premium but still want health coverage, HDHP plans offer budget-friendly options, covered preventive services and a single deductible for both medical and prescription services.
Health maintenance organization (HMO) plan members enjoy a large network and lower premiums.
National point of service (NPOS) plan members are free to go to any doctor, but can keep their costs low by staying within the network.
Preferred provider organization (PPO) plan members have the flexibility to go to their choice of doctors—no referrals needed.