Basic health care open enrollment questions
What are consumer-directed plans?
HMO, PPO, and EPO are among the more popular types of health plans out there. However, "consumer-directed" plans are available at at some organizations.
There are many types, but these plans have two common features: lower regular costs and a higher amount people have to pay before full benefits kick in if someone were to get sick.
Mercer Health said the plans "allow the employees to share the risk and reward of health management."