Point-of-service plan combines characteristics of both HMOs and PPOs. You choose a primary care physician who controls all aspects of your health care, including referrals to specialists. All care received under that physician's guidance, including referrals, is fully covered. Care received by out-of-plan providers is reimbursable, but you have to pay a significant co-payment or deductible if out of the plan. Basically, you get to decide every time you need medical attention whether you want to use your plan as an HMO or a PPO.

After deciding on what coverage is right for you, use InsWeb.com's online health insurance questionnaire to compare health insurance quotes online.