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Health care in the United States Government Health Programs Federal Employees Health Benefits Program Indian Health Service Medicaid / State Health Insurance Assistance Program (SHIP) Medicare Prescription Assistance (SPAP) Military Health System / TRICARE State Children's Health Insurance Program (CHIP) Program of All-Inclusive Care for the Elderly (PACE) Veterans Health Administration Private health coverage Consumer-driven health care Flexible spending account (FSA) Health Reimbursement Accou

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Pros of HMO:

  • Premiums are typically low
  • Easy to find healthcare providers
  • Cash rewards and other perks are often offered

Cons of HMO:

  • Must choose a primary care doctor
  • Need a referral to see a specialist
  • Cannot use out of network providers

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