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Health Insurance

Selecting the right health insurance plan can be complicated, no matter if you’re browsing for a new insurance plan for yourself or your entire family. PPO, HMO, HSA—there are multiple terms and situations to understand before enrolling. At Insurance Lounge, we want to be your partner and help you through every step of the enrollment process.

Factors That Impact Your Health Insurance Premium

An accident or a serious illness can affect you both physically and financially. Therefore, it’s extremely important to make sure you fully understand the insurance plan you select and the associated costs. Your Oregon health insurance rate can be affected by the following:

Type of plan (HMO, PPO, HSA)
Deductible level
Copay percentage
Access to specialists
Maternity and prescription drug coverage

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Common Types of Health Insurance Coverage

Our team of experts can help you navigate different types of coverage to source the best plan for your needs, budget, and life plans. If you prefer to shop for coverage from home, you can always ask our Insurance Concierge® any questions that arise as you browse.


Preferred provider organizations are the most common health plan and tend to cost more than an HMO. PPO plans offer a selection of doctors or hospitals on the insurance company’s list of preferred providers. A deductible must be paid before certain benefits are available.


Health maintenance organizations offer lower out-of-pocket expenses but offer less flexibility in members’ choice of physicians or hospitals. Under an HMO plan, you typically select a primary care physician who can refer you to an HMO specialist if needed. HMOs require a copayment for certain services.


Health Savings Accounts are savings accounts similar to a 401k that allow you to save money pre-tax to use for future qualified medical expenses. The invested money grows tax-free and can be a great financial tool during your retirement.

Insurance Lounge is committed to helping Oregon families make informed decisions about their health insurance by introducing innovative technology and processes that have completely transformed the way people shop for insurance. Browse auto, life, home, disability, and many other plans with ease and the support of our comprehensive resources. We’re a no-commission agency, so our priority is simply helping you find exactly what you need. Contact us anytime; we’re open seven days a week to better serve our customers with approachable, friendly insurance advice and support.

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