Preferred Provider Organizations plans allow you to ensure you use out-of-network providers at your discretion and are not required to have a referral from a primary care physician, as HMOs do. However, using an out-of-network network means you may pay a larger share of the costs. Point-of-Service plans combine the features of HMO and PPO to offer more choices for providers. That way, if you have a doctor you prefer, but he wasn't a member of the HMO rather than is a member of the PPO, you can now continue your care with that provider at the in-network cost. It's basically similar to the HMO where you'll have to designate a PCP, and like a PPO, you have a free range of providers to choose from both in and out of network. High-deductible (HDH) health plans offer low premiums, but have a high deductible and also come with savings account options like the Health Savings Account (HAS). HSA lets you save money while it grows tax-free, you can contribute and withdraw to pay for out-of-pocket medical care expenses as co-payments or