EPO plans — PPO flexibility, HMO pricing — no referrals, but in-network only.
An EPO is a hybrid: you get PPO-style flexibility (no referrals needed) at closer to HMO pricing, but all care must stay in-network. No out-of-network coverage except emergencies. Our agents compare total EPO cost across available carriers.
EPO in plain English.
See any in-network specialist directly — no referral needed (like a PPO). All care must stay in-network (like an HMO). No out-of-network coverage except emergencies. Premiums sit between HMO and PPO pricing.
Best for:
Trade-offs to know:
Carriers offering EPO plans.
Cost range: $120–$420/mo after subsidies. Your agent compares total cost across all available carriers in your ZIP.
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions about EPO plans.
Total cost = premium + deductible + OOP max. EPOs run $120–$420/mo after subsidies — typically cheaper than PPOs but more than HMOs. Your agent compares total cost across all options.
Both let you see specialists without referrals. The key difference: PPOs cover out-of-network care at lower rates; EPOs don't cover out-of-network at all (except emergencies). EPOs cost less because of this.
Both are in-network only. The key difference: HMOs require referrals from a PCP; EPOs let you see any in-network specialist directly. EPOs cost slightly more.
Yes — EPO plans are fully subsidy-eligible. About 4 out of 5 enrollees qualify.
Only emergencies are covered out-of-network on an EPO. If you need specific out-of-network providers, a PPO is the better choice. Your agent compares both.
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100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares EPO total cost across 6+ carriers. One call, $0 fee.
(866) 605-0702