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HMO (Health Maintenance Organization): HMOs offer lower cost, however, they must visit a specific list of specialists, and then be recommended to them to receive care. Silver HMOs are $473 per month on average.

EPO (Exclusive Provider Organization): EPOs fall somewhere between HMO or a PPO. It is required to use the healthcare plan’s network providers. They don’t usually require specialist referrals. EPO Silver plans are $508 per month.

Preferred Provider Organizations (PPOs) Though they tend to be more expensive than HMOs and have larger network of providers, PPOs may offer lower costs. No referrals are required to access insurance-covered services. Silver PPO plans offered on the Marketplace come with an average monthly cost of $517.

Point of Service (POS): POS plans are among the most flexible plans, but they come at a higher price. They can provide medical services without the health plan’s provider network, though you’ll likely pay more. Monthly premiums average for POS Silver plans are $534.

The cost average of health insurance by metal tier
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