Choosing the best coverage option: 

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PPO - A preferred provider organization offers a network of healthcare providers you can use for your medical care. These providers have agreed to provide care to the plan members at a certain rate.

EPO - "Exclusive Provider Organization" plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits.

OMNIA - Offers you the benefits of patient-centered care, along with access to all doctors and other health care professionals in the Horizon Managed Care Network, and all hospitals in the Horizon Hospital Network. 

HSA - A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit.

HRA - A Health Reimbursement Arrangement (HRA) is an employer-funded account that helps employees pay for qualified medical expenses not covered by their health plans. HRAs are compatible with all types of health insurance plans and they are owned by the employer.