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Health Insurance Plans Available on the Marketplace

There are different types of Marketplace health insurance plans designed to meet different needs. Some types of plans restrict your provider choices or encourage you to get care from the plan’s network of doctors, hospitals, pharmacies, and other medical service providers. Others pay a greater share of costs for providers outside the plan’s network. Here is an overview of the types of marketplace plans available to you.

Types of Marketplace plans


Depending on how many plans are offered in your area, you may find plans of all or any of these types at each metal level – Bronze, Silver, Gold, and Platinum.

Some examples of plan types you’ll find in the Marketplace:

  • Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
  • Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
  • Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
  • Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.

Click HERE to review plan options and even enroll online.


There are pro’s and con’s for each option. It’s important to select the right option based on your needs. Contact us for guidance in selecting the right policy for you and your family. There is no cost to you for our help.

Individual
  • Understanding Your Health Insurance Options
  • Health Insurance Plans Available on the Marketplace
  • Essential Health Benefits
  • Summary of Benefits and Coverage
  • Preventive health services for adults
  • Short-Term Medical Insurance – Temporary Coverage
  • Pre-65 Health Care Insurance
  • Health Savings Accounts
  • Understanding the Affordable Care Act

Mary Reynolds Insurance LLC

It's a matter of trust

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About Us

Mary Reynolds specializes in working with individuals and groups to help them achieve the security of protecting their financial future. We offer Health and Life insurance, Medicare Advantage and Medicare Supplement Plans as well as Disability, Long Term Care and Annuities. Being an Independent Agency we are able to use multiple products from numerous companies to design the right financial fit for you. Let our insurance experts analyze the options for you so that you can make an informed decision.

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557 E River St
PO Box 1668
Cave Junction
Oregon
97523
(541) 592-6262

This is a solicitation for insurance. By providing the information above, I grant permission for a licensed insurance agent to contact me regarding my Medicare options including Medicare Supplement, Medicare Advantage, Prescription Drug plans. Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that are contracted with Medicare. Enrollment depends on the plan's contract renewal.

Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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