Types of health insurance:
Commercial
Ready to learn about commercial health insurance?
Great! I’m going to help guide you through sone of the major things you should know.
What is commercial health insurance?
A health insurance plan provided by and administered by a private insurance company rather than the government.
Examples include:
- A group health plan (it may be offered by your employer, or your spouse’s employer)
- An individual plan you buy on your own from an insurance company
- An individual plan you buy on the the Health Insurance Marketplace
(also called the health exchange). You can call the contact number for individuals and families at (800) 318‑2596.
A group health plan (it may be offered by your employer, or your spouse’s employer)
An individual plan you buy on your own from an insurance company
An individual plan you buy on the the Health Insurance Marketplace (also called the health exchange). You can call the contact number for individuals and families at (800) 318‑2596.
With commercial health insurance, you might have a choice of plans, such as a health maintenance organization (HMO), preferred provider organization (PPO), exclusive provider organization (EPO), or point of service plan (POS). Each has unique coverage, provider networks, and benefits.
This chart helps break it all down:
PRO TIP: Costs and benefits will vary greatly between plans and health insurance companies. Always be sure to verify your coverage with your health insurer.
PRO TIP: Costs and benefits will vary greatly between plans and health insurance companies. Always be sure to verify your coverage with your health insurer.
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