Plans are categorized by how they manage their provider networks: Primary Care Physician (PCP) Required? Referral Needed for Specialist? Out-of-Network Coverage? No (Except emergencies) PPO Yes (At a higher cost) EPO No (Except emergencies) POS Yes (At a higher cost) How to Get Marketplace Health Insurance | HealthCare.gov
The annual window for anyone to sign up or switch plans. For 2026 plans, this is January 15, 2026 in most states. how do you buy health insurance
Most Americans get insurance through their job, where the employer typically pays a portion of the premium. 3. Compare Plan Types Plans are categorized by how they manage their
