What type of health plans are typically offered through the Virginia Marketplace?

The Virginia Marketplace typically offers a variety of comprehensive health plans that include Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, and Exclusive Provider Organization (EPO) plans. These types of plans are designed to provide a range of services while ensuring that essential health benefits are covered, which is a key requirement established by the Affordable Care Act.

HMO plans require members to choose a primary care physician and get referrals to see specialists, which helps manage costs and promotes preventive care. PPO plans offer more flexibility in choosing healthcare providers and do not require referrals, allowing members to seek care outside of their network, although at a higher cost. EPO plans combine features of both HMO and PPO plans, generally offering a network of providers with no out-of-network coverage except in emergencies.

Offering these options through the Virginia Marketplace ensures that consumers have access to a variety of health coverage suited to different needs and preferences, emphasizing comprehensive coverage and essential health benefits.