Heath care plans as business owner

PLAN	GOOD FOR THOSE WHO:	CHARACTERIZED BY
Preferred Provider Organization (PPO)	Are willing to primarily use providers on a set list, with higher costs for going outside of that network.	Lower out-of-pocket costs than other plans, higher co-payments and higher cost of treatment outside the PPO network.
Health Maintenance Organization (HMO)	Are willing to organize care through a primary care physician on a list provided by the HMO. Any outside care may not be covered, or may come at a higher co-pay.	Lower co-payments and fewer fees than other plans; any treatment outside the network, however, is rarely covered.
Indemnity or Fee-for-Service Plans	Want the greatest freedom in choosing providers and don't mind submitting bills for reimbursement.	Annual deductibles and co-insurance, as well as out-of-pocket maximums; costs vary greatly depending on coverage.
Health Savings Accounts (HSA) and High Deductible Health Plans (HDHP)	Are younger and healthier and don't visit the doctor that often.	A cheaper monthly premium, and a higher deductible.
Point of Service Plan	Are not going to need a lot of specialists, because the plan requires you to choose a primary care physician from the network to monitor your health care, and get referrals for out of network treatment.	Lower co-payments than other plans, low out-of-pocket costs and no deductibles for network care; high co-payments and deductibles for non-network care.